Product Liability

Product Liability Insurance

Once your product leaves the factory, you're still responsible for what it does.

Product Liability Insurance covers manufacturers, distributors, and retailers against claims for injury or property damage caused by a defective product they made, sold, or supplied, essential for anyone whose goods end up in a customer's hands.

Talk to a Private Advisor How It Works

Coverage Details

What's Covered

Bodily Injury from Defective Products

Compensation if your product causes injury to a consumer.

Property Damage from Defective Products

Damage caused to a third party's property by a faulty product.

Product Recall Costs (optional)

Costs of recalling a defective product batch from the market.

Legal Defence Costs

Costs of defending claims of product defect, including unfounded ones.

Simple Process

How It Works

Describe What You Manufacture or Sell

Product type, distribution scale, and markets served.

Set an Indemnity Limit

Based on your product category and the potential scale of a claim.

Cover Follows Your Product

Policy responds wherever a covered claim arises from a product you made, sold, or supplied.

Common Questions

Frequently Asked

Does this cover food and beverage products?

Yes, food, beverage, cosmetics, pharmaceuticals, and general manufactured goods can all be covered, rating varies by product risk.

I'm a retailer, not a manufacturer, do I need this?

Yes, retailers and distributors can also be held liable for defective products they sell, even if they didn't manufacture them.

Is a product recall automatically included?

Recall costs are usually an optional extension rather than automatic, we can add it if that's a real risk for your product line.

Ready to get covered?

Get your Product Liability insurance quote today, same day cover, zero hassle.

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