Products Liability Insurance
Standard coverages and limits
Covers claims alleging bodily injury or property damage caused by a defective or unsafe product
Manufacturing defects: Protection for products that are improperly manufactured
Design defects: Coverage for claims alleging a product's design is unsafe
Building systems: May cover electrical, plumbing, HVAC, and other permanently installed systems
Failure to warn: Covers certain claims alleging inadequate warnings or instructions
Common limits range from $1 million to $5 million+, depending on the business and product exposure.
Common Endorsements / Optional Coverages
Product recall expense, Product withdrawal
Replacement cost coverage
Worldwide products liability
Additional insured coverage
Additional excess or umbrella limits may be available
Cost Factors & How Pricing Works
Type of products manufactured or sold
Annual sales and projected sales
Industry and product hazard
Product recalls and prior incidents
Who Needs Products Liability Insurance?
Manufacturers, Importers and exporters
Wholesalers and distributors, private-label product companies
Medical and health product companies
Retailers and e-commerce businesses
Any business that manufactures, distributes, imports, or sells products to customers
Products Liability Insurance Quotes
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