Product Liability Insurance
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Product Liability insurance protects your business against claims for injury or damage caused by a product you make, distribute, sell, or promote. Even with rigorous quality control, products can fail in ways nobody anticipated. When that happens, the legal and financial consequences can be significant, and without the right cover, they land directly on you.
What This Covers
Legal defence costs when a claim is brought against you- Compensation awarded to customers or third parties harmed by your product
- Damage to third-party property caused by a product you've made or sold
- Claims arising from manufacturing defects, design faults, or inadequate warnings
- Products you've distributed or promoted, even if you didn't manufacture them
- Legal costs for defending fraudulent or exaggerated claims
What This
Does NOT Cover
Damage to the product itself- Deliberate or fraudulent acts
- Liability assumed beyond your legal duty of care
- Claims arising from circumstances known before the policy started
- Professional errors or advice covered under Professional Indemnity
Illustrative
Claim Example
Illustrative Example
A scaling consumer tech business launched a new hardware product. Several units overheated and a customer alleged the device had damaged their property. A claim was brought for £45,000. The company was confident in their process but couldn't rule out a batch fault. Their Product Liability policy covered the full legal defence and the resulting settlement. Without it, that cost would have come directly out of the business.
The right cover keeps your business protected when it matters.
Protect Your Business
Who
Needs This Insurance
Any business that manufactures a physical product
Companies that distribute, retail, or promote products made by others
Tech companies with hardware or physical components
Businesses required by contract or tender to hold product liability cover
Who Needs This Insurance
Ready to
get covered?
Get a quote for Product Liability cover built around your business and what you make.
