Protection against claims arising from defective products that cause injury or damage. Essential for manufacturers, distributors, and retailers.
Key Features
Coverage Details
Coverage for claims when your products cause physical injury to consumers.
Protection when your products damage someone else property.
Defense costs are covered even for frivolous claims, which can be expensive to defend.
Coverage for expenses related to recalling defective products from the market.
Who Needs This
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
Yes. Retailers can be held liable for products they sell even if they did not manufacture them. This is especially important for imported products.
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.
Standard product liability covers claims for injury or damage. Product recall coverage is typically a separate endorsement covering recall-related expenses.
Industries We Serve
Insights
Whether you sell from a storefront, a website or both, here is how to protect inventory, shipments, customers and your online operations.
Technology errors and omissions and cyber insurance protect against different failures. For SaaS companies, gaps between them are where claims fall through.
General liability and professional liability cover very different risks. Here is how to tell which you need, and why many businesses need both.
