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Business coverage

Product Liability Insurance

Product liability insurance covers claims that a product you made, sold, or distributed injured someone or damaged their property — a risk that follows the item long after it leaves your hands. Retailers and distributors frequently require their suppliers to carry it, and a single defective-product lawsuit can produce legal and settlement costs large enough to sink a small manufacturer.

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Who this coverage is for

Product liability insurance is for businesses that make, distribute, or sell physical products to customers. If your product could injure someone or damage property, this coverage helps protect you from the resulting claims.

What it can help protect

This coverage helps protect your business when a product you sell causes harm:

  • Defective products — helps cover claims that a flawed product caused injury or damage.
  • Manufacturing errors — helps with claims tied to a defect introduced during production.
  • Design flaws — helps respond to claims that a product was unsafe by design.
  • Inadequate warnings — helps with claims of missing or insufficient safety instructions.
  • Legal defense — helps cover attorney fees and settlements from product-related lawsuits.
Regularly misunderstood coverages
General Liability vs. Product Liability

Where general liability ends and product claims begin.

Key choices and underwriting factors

A licensed review will usually focus on product type and sales footprint, quality control and vendor sourcing, and sales channels and revenue by product.

Common Questions