Product Liability

Business Product Liability insurance protects the product manufacturer, seller, or distributor from legal liability associated with a product defect that causes personal injury or damage associated with its use.

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    Please note: Coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.

    What Does Product Liability Insurance Cover?

    Product Liability insurance helps protect businesses if they are accused of making, distributing or repairing a product that causes harm. Some product liability coverage is typically included in a general liability insurance policy, but businesses facing greater risks may need to increase their limits or purchase additional coverage.

    Product Liability insurance helps protect a business when there’s a claim that a product it made or sold caused harm.

    Claims of physical injury or property damage can be brought by the buyer of the product, a user of the product, or a bystander. The physical harm or damage caused by the product can be the result of the following:

    1) Design flaws;

    2) Product defects.; or

    3) Inadequate instructions, labels and warnings.

    Product Liability insurance is not legally required, but a business that does any of the following product-related activities should consider purchasing it:

    1) Manufacturing;

    2) Distributing.;

    3) Wholesaling;

    4) Importing;

    5) Retailing;

    6) Installing; and/or

    7) Repairing/modifying