Product liability insurance

Essential protection for injury, illness or damage caused by a defective product

Providing your business with support if you are held liable for injury, illness or damage caused by a defective product

Whether you create products for direct sale or supply components for other manufacturers, product liability insurance can protect your business from the costs of legal claims in the event of a defect negatively impacting those that use your product. Commonly sold alongside public liability insurance, product liability insurance can be important even if you don’t manufacture or alter any products, as the responsibility can also fall on retailers and suppliers regarding claims. It’s a worthwhile insurance for product-based businesses to safeguard against potential losses from third parties.

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Product Liability Insurance Stacked Shelves | NFP

What’s included in a product liability policy?

Third-party injury cover
Third-party property damage cover
Product recall
Legal expenses

Without product liability insurance, your business could be at risk of:

Paying out compensation payments to those affected
High court and legal fees
Coverage for medical expenses of those injured

Product liability risks we can help insure you against:

Defective design

Manufacturing defects

Failure to warn

Breach of warranty

We see ourselves more as your insurance partner, rather than just an insurance broker

The day-to-day running of a modern business can be complex and time-consuming. Insuring it is no different. Without specialist advice, you may be leaving yourself vulnerable to: