Product Liability insurance

Protection against claims for personal injury or property damage

Where products cause injury or damage, legal battles can go far beyond between consumer and the company that supplied them; a ripple effect throughout the entire supply chain can make proceedings lengthy, complex and extremely costly. 

What is Product Liability & what does it cover?

Product Liability insurance protects against claims for personal injury or property damage arising from products sold by your business. Its main purpose is to cover legal costs and damages.

Product liability insurance is useful for companies that make, supply or sell products to members of the public. Claims can affect any or all of these business types. 

Do I need Product Liability insurance?

If you’re making, selling or distributing things, Product Liability insurance is a wise choice.

Sometimes claims will be justified, others spurious. Either way, they can end up costing you a lot of money. Unwarranted claims still need to be taken very seriously – your company’s reputation and brand value are under threat.   

Knowing that you are covered gives your people the freedom to innovate and the confidence to sell. 

Common product liability claims

Without robust product liability insurance, you may face huge legal bills

Design defects

Someone accuses your product of being dangerous and always has been, right from the design stage.

Manufacturing defects

The most common cause of product liability claims, this claim type argues the product became ‘unreasonably dangerous’ during the manufacturing process.

Labelling defects

Your product is accused of having an inherent danger that customers should have been made aware of.

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