Product Liability Insurance
Essential protection for manufacturers, importers, and retailers. Cover for defective products, consumer injury claims, and product recalls.
What Product Liability Covers
Comprehensive protection against claims arising from defective products that cause injury or property damage.
Defective Products
Cover for claims arising from defective products that cause injury or property damage.
Consumer Injury
Protection against claims from consumers injured by your products.
Product Recall
Cover for costs associated with recalling defective products from the market.
Legal Defence Costs
Cover for legal fees and court costs when defending product liability claims.
Supply Chain Cover
Protection for liability arising from products supplied by your suppliers.
Regulatory Compliance
Cover for claims arising from failure to comply with product safety regulations.
Who Needs Product Liability Insurance
We arrange product liability insurance for manufacturers, importers, distributors, and retailers across all sectors.
Types of Product Liability Claims
Product liability claims can arise from various defects and failures. Here are common scenarios where cover would respond:
- A defective electrical appliance causes a fire and property damage
- A food product causes allergic reaction or food poisoning
- A toy contains hazardous materials causing child injury
- A pharmaceutical product causes adverse health effects
- Packaging failure causes product contamination
- A component failure causes injury to end user
- Inadequate product warnings result in consumer injury
Why It Matters
Regulatory requirements. Many retailers and distributors require suppliers to have product liability insurance as a condition of supply.
Claims can be substantial. A single product defect affecting multiple consumers can result in claims exceeding £1 million when recall costs are included.
Reputational risk. Product recalls and liability claims can damage brand reputation and customer confidence, making insurance essential protection.
Frequently Asked Questions
Who needs product liability insurance?
Any business that manufactures, imports, or distributes products should have product liability insurance. This includes manufacturers, wholesalers, retailers selling own-brand products, and importers. Many retailers require suppliers to have this cover.
What's the difference between product liability and public liability?
Product liability covers claims arising from defective products you manufacture or supply. Public liability covers claims from third parties for injury or damage from your business activities. Both are important for manufacturers and retailers.
How much product liability cover do I need?
The amount depends on your products, market, and client requirements. Typical cover ranges from £500,000 to £5 million. Many retailers require suppliers to have at least £1 million cover. We can advise on appropriate levels for your situation.
Does product liability cover product recalls?
Some policies include cover for product recall costs. However, this is not always included as standard and may require additional premium. We can advise on policies with comprehensive recall cover.
What about products supplied by my suppliers?
Standard product liability covers products you manufacture or import. If you distribute products made by others, you may need additional cover for supplier liability. We can advise on appropriate cover for your supply chain.
Get Your Product Liability Quote
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