Product Liability is a must have coverage for any company that manufactures or sells products. Product Liability Insurance protects your business from product-related claims and lawsuits that arise from your operations.
Product liability insurance is vital for any business owner who manufactures, distributes, or sells products. This type of insurance protects you from legal liability if someone claims that your product caused them third-party property damage or bodily injury. Product Liability Insurance protects business owners against legal liability for any claims alleging third-party property damage or bodily injury caused by a product you manufacture, distribute, or sell. It protects your business from damages from design, manufacturing, or marketing defects, such as incorrect labelling and safety warnings.
It's designed to help protect your business by ensuring that you don't have to pay legal, court costs or compensatory damages.
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Product Liability Insurance protects business owners against legal liability for any claims alleging third-party property damage or bodily injury caused by a product you manufacture, distribute, or sell. It protects your business from damages from design, manufacturing, or marketing defects, such as incorrect labelling and safety warnings.
It's designed to help protect your business by ensuring that you don't have to pay legal, court costs or compensatory damages.
Product Liability Insurance is highly recommended for anyone who sells, manufactures, or distributes a product, including food. An emerging risk is online retailers especially those selling on Amazon and other marketplaces.
Product Liability Insurance only covers third-party property damages or bodily injuries caused by a product you sell or manufacture and that is why it is important that it's paired with other coverages.
Any other damages to a third-party, such as slip-and-fall injuries, would be covered under a separate general liability insurance policy.
The cost of Product Liability Insurance can vary drastically depending on a few factors the main one being the type and volume of products you sell, manufacture, or distribute.
The following additional factors are typically taken into consideration when determining the cost of your premium:
Type of Product and Associated Risks
The volume of Product Sold
Claims History
Coverage Limits
Annual and Projected Revenue