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What is product liability insurance

Product liability insurance covers costs related to claims for personal injury or property damage caused by a faulty product your business designed, sold or supplied. This type of cover can be combined with other policies such as public liability and employer's liability to ensure you’re protected if accidents happen.



Why do I need product liability insurance?

If your business supplies products to customers, you have a responsibility to ensure they’re safe. Even if you didn’t make the product, you could still be held liable if it was to cause an accident.

So, whether you’re the manufacturer, retailer or wholesaler, you’ll need product liability insurance for protection against claims, should a member of the public suffer injury or have their property damaged, as a result of your faulty product. A faulty product is your responsibility if:

  • Your business name is on it
  • You can’t identify the manufacturer
  • Your business repairs or changes the product.
  • You imported the product from outside the European Union
  • The manufacturer has gone out of business

This means you would be liable for compensation costs if the product caused an accident

What does product liability cover?

Product liability insurance would pay for legal fees and compensation costs if a member of the public was to become injured or their property damaged, as a result of your product. It’s an essential addition to your insurance package if you design, sell or supply products to customers.

With this policy, you’ll be covered for:

  • Customer injuries caused by your faulty product
  • Damage to a customer’s property due to your faulty product
  • Undetected faults such as defects your quality control system couldn’t identify.

Most businesses will take out insurance that will cover them for compensation claims of between £1 and 5 million.

Protect your business now - call us on 0800 188 4976 Our experts will compare quotes from the UK’s most trusted insurers and adapt your insurance to suit the needs of your business.

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