Product Liability Insurance

We can offer product liability insurance for businesses great and small, with cover for a range of different product types. Ideal for retailers, wholesalers and manufacturers. This cover protects you if your product is faulty and causes injury to a member of the public or damages their property.

0344 892 1664

Mon-Thu 8:30am-5.30pm, Fri 8:30am-5.00pm

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About Product Liability Insurance

Worldwide

Global product liability insurance

Our insurance is available for products sold outside of the UK – tailor the cover for your needs to include USA and Canada

Options

Product liability cover limits from £1 - 10 million and more

Cover limits start at £1 million with popular choices of £2m, £5m and £10 million with higher limit options if required

Claim

Professional claims service

Expert advice to help you with claims you face

Direct Debit

Pay by Direct Debit

You can choose to split your payment over 10 monthly instalments. Please read our dedicated page on Direct Debit.

Features of Product Liability Insurance

Standard cover

Flexible product liability cover limits

Product liability cover limits start at £1 million with £2 million, £5 million and £10 million 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 advisers for more information.

Highly trained assistance throughout the process

We have highly trained staff who are ready to assist you throughout the process from finding your initial products liability quote to answering any questions you may have about your cover. 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 limits of your policy.

Combined commercial liability insurance policies

If you need more than product liability insurance, we offer cover for stock held at your premises, buildings, loss of income, employers’ liability and cyber risks. We offer goods in transit to cover your goods in deliveries. Marine cargo 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 one of our specialist team and see what they can do for you.

Product Liability Insurance FAQs

Question

What is product liability insurance?

Answer

Product liability insurance protects a business should a customer allege bodily injury or property damage, 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 if the product causes injury or damage.

Question

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

Answer

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

Question

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

Answer

With products liability you will be covered by the policy in force at the time (date) the incident giving rise to a potential claim occurred. So, with insurance in place when you sold / supplied / produced the product, if a client makes a claim against you 2 years later, it must be claimed off the insurance policy that was in force at the time the accident occurred.

Question

Do I need product liability insurance?

Answer

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.

Question

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

Answer

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.

Question

Can I pay in instalments?

Answer

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

Question

Where can I find more information about monthly Direct Debit?

Answer

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Give us a call

on 0344 892 1384 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim