If you make, sell or supply a physical product, then you may need a product liability insurance policy.

Product liability cover offers protection from claims for injury or damage to another person or their property due to a fault in the product made or supplied by your business.

Protect your business from unexpected costs by getting the best business insurance quotes today.

product liability insurance policy

What is product liability insurance?

Product liability insurance offers your business financial protection in the event that you are the subject of a claim for compensation costs as a result of injury or damage caused by a faulty product that you have made, sold, or supplied.

It will usually cover the cost of the award for compensation, replacement or repair of any damaged property, legal fees as a result of defending the claim, and medical expenses incurred as a result of the injury or damage.

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How is product liability insurance sold?

Product liability insurance is usually sold as part of a wider package of business insurance tailored to your business.

This can include commercial building insurance, cover for your contents or stock, business interruption cover, money cover, and liability insurance – public liability cover, product liability cover, and employers liability cover.

Business insurance for trades people usually includes product liability cover. If the result of your work causes injury or damage to a third party due to a faulty product or component, then you will be held liable and you will need product liability insurance cover.

Business insurance for trades people usually includes product liability cover

What is product recall insurance?

Product recall insurance is similar to product liability insurance. It offers protection if, due to a safety concern, a product needs to be recalled.

Product recall insurance covers – advertising a recall, the collection and disposal of the recalled product, as well as replacement of the recalled items to the consumer. Usually, product recall affects food and beverage products, but not exclusively.

Contaminated products insurance is similar and covers food, beverages, and pharmaceutical, and cosmetics. Both insurances may also offer cover for pr and mitigating the effects of adverse publicity

Who needs product liability insurance?

Anyone involved anywhere in the supply chain of a physical product will need product liability insurance.

Wherever you are in the supply chain of a product, you can be liable if that product causes injury or damage to a third party or their property due to a defect and you will need product liability cover to protect you from a potential claim and legal costs in defending yourself.

If you are involved in manufacture, import, distribution, retail, service, repair, maintenance, or alteration of physical products or their component parts, then you will need product liability insurance cover.

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What is the differences between product liability and public liability insurance?

Product liability insurance specifically offers protection against damage to property or injury to a third party caused by a product that you or your company manufactured, sold or supplied.

Whereas, public liability insurance offers protection against a claim or having to pay compensation for third party injury or property damage as a result of your business activities.

Product Liability Insurance Providers

Aviva - Home Insurance
Zurich - Home Insurance
AIG - Home Insurance
AXA - Home Insurance
Allianz - Home Insurance
FBD - Home Insurance

Common Product Liability Claims

Lawnmowers or power tools causing injury due to defects in manufacture or poor quality components.

A restaurant using food that is subject to a food safety recall and causes food poisoning.

An electrician that repairs a faulty item which causes injury may result in a product liability claim. 

Customer property damage due to a defective product eg. faulty key cut by locksmith breaks and damages lock.

Child/ Baby product recalls due to, for example, choking hazards.

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Product Liability Insurance FAQ’s

If you are a manufacturer, supplier, online or physical retailer, offer maintenance or repair services, sell second hand products, and you, even accidentally, cause injury or harm to another person due to faulty goods, then you need product liability insurance. Small businesses have gone out of business due to the cost of defending compensation claims.

Yes. Product liability insurance will cover legal defence costs in defending a claim against you, compensation costs, medical expenses arising from the claim, and repair or replacement of any damaged property.

No. While not a legal requirement, it is advisable to have product liability cover in place in case you are held responsible for harm caused by defective products.

Potentially both, depending on the individual case, and legal action could find both the product’s manufacturer and the retailer to be liable.

Get a product liability insurance quote today and get the right cover for your business.

insurance faqs

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