Product Liability Insurance
Protection against claims arising from defective products that cause injury or damage. Essential for manufacturers, distributors, and retailers.
Key Features
What product liability insurance covers.
Coverage Details
What's included.
Bodily Injury Claims
Coverage for claims when your products cause physical injury to consumers.
Property Damage Claims
Protection when your products damage someone else property.
Legal Defense
Defense costs are covered even for frivolous claims, which can be expensive to defend.
Product Recall
Coverage for expenses related to recalling defective products from the market.
Who Needs This
Is product liability insurance right for you?
Product Liability insurance is essential for businesses that want to protect against specific risks in their operations. Here's who typically needs this coverage:
FAQs
Common questions.
Do retailers need product liability if they do not manufacture?
Yes. Retailers can be held liable for products they sell even if they did not manufacture them. This is especially important for imported products.
Is product liability included in general liability?
CGL policies include products-completed operations coverage, but limits and terms may not be adequate for businesses with significant product exposure. Dedicated product liability provides broader protection.
Does product liability cover product recalls?
Standard product liability covers claims for injury or damage. Product recall coverage is typically a separate endorsement covering recall-related expenses.
Industries We Serve