Product Liability Insurance

Product liability insurance for businesses great and small.

  • Cover for a range of different product types
  • Insurance available for products sold outside of the UK
  • Ideal for wholesalers as well as manufacturers

Get a quote and buy product liability insurance online

Get a quote

Call us to run through a quote with a member of the team

0344 346 0409
0344 346 0409

We’re here for you Weekdays 8.30am - 6.00pm

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What does product liability insurance cover?

Flexible cover limits

Product liability cover limits start at £1million with £2, £5 and £10million options available, so you can choose the amount that suits your business. If you are unsure of how much cover you need, speak with one of our trained advisors for more information.

Highly trained staff ready to assist you throughout the process

We have highly trained staff who are ready to assist you throughout the process from finding your initial quote to answering any questions you may have about your policy. If ever you have a problem, simply get in touch and our team will do their best to help you.

Product liability legal costs

Your business could face legal action if it does not comply with product safety laws. It’s not just the person who purchases the product that can sue, it’s any person who is injured, becomes ill or has property damaged by the product. Product liability insurance will cover your legal defence costs. In the event that you are found to have been at fault it will pay claimants costs and expenses and compensation awarded, subject otherwise to the limit set on your policy.

Need something extra?

If you need more than product liability insurance, we offer cover for stock held at your premises, buildings, loss of income, employer’s liability and cyber risks. We offer goods in transit to cover your goods in and deliveries and marine insurance can be arranged to cover any import or exports of goods whilst in transit worldwide. All this cover can be built into one policy with one renewal date. Speak to our one of our specialist team and see what they can do for you.

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Product Liability Insurance Claims

Due to the bespoke nature of our liability policies, we have different claims teams depending on the type of policy you have with us. We will let you know the best way to contact us when you take up your policy and it can also be found on the policy documents we send out to you.

If you cannot find your policy documents and you need to make a claim, please call our customer service team for assistance on:

0330 346 0409

The team are available weekdays from 8.30am to 6pm.

Product Liability Insurance Articles & Guides

Learn more about liability insurance from Towergate:

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A Guide to Product Liability Insurance

Do you manufacture, commission or sell products? Our simple guide explains all you need to know about Product Liability insurance, and how it could well be a vital part of your business insurance.

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Product Liability for an Online Business

Product liability covers your risks when manufacturing goods and/or selling them online. If a faulty or dangerous item caused injury or harm you could be liable for a compensation claim. If you run a website, or online business, read our guide for tips on protecting yourself with product liability insurance.

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Product Liability Insurance FAQs

What is product liability insurance?

Products liability insurance protects a business should a customer allege bodily injury or property damage as resulting from the supply of faulty or defective products. A business will have legal responsibilities for the quality of product or goods supplied and consequently may face claims the product causes injury or damage.

Are there restrictions on the type of products I can supply?

Our policies are tailored to you so we would be able to advise on the cover you need based on your business. Inform us of the type of products you work with and we’ll aim to source cover that fits.

Am I covered for the lifespan of the product and will your policy cover me?

Product liability cover is a type of insurance where you are covered by the policy in force at the time (date) the incident giving rise to a potential loss or injury occurred. So with insurance in place when you sold / supplied / produced the product, if client makes a claim against you 2 years later, it must be claimed off the insurance policy in force at the time the accident occurred.

Do I need product liability insurance?

Though product liability largely relates to producers, your business could be held liable for a faulty product even if you are only the distributor. Whether you are a manufacturer, supplier, distributor or retailer; if your business makes products available to the public, you may be liable for any injury or damage they cause. It’s therefore important to have the right insurance in place.

Who is liable if an injury is caused by a defective product?

Below are some instances where product liability may still be the business's responsibility even though they are not the manufacturer:

  • If the product includes your company's name i.e. white label products
  • If the product has been imported from outside the European Union
  • If the true manufacturer of the product has gone out of business or can no longer be identified
  • If your business repairs, services or fixes an existing product.
  • If your business is involved in any aspect of the production of the goods - from supply of components, manufacture, assembly, printing, painting or packing

If you’re unsure if product liability insurance is something your business needs, just ask the team. We can identify whether your business requires the cover then find the most suitable insurance solution for you.

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments. To find out more about PCL and direct debit payments, select Direct Debit.

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