Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
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Product Liability
Injury or damage caused by a product you made, sold or distributed.
What this cover does
Liability follows a product down the chain — manufacturer, distributor, importer and retailer can all be named in the same claim. Cover is usually inside general liability as products and completed operations, and stepped up separately where the exposure warrants it.
Typically included
- Bodily injury caused by a defective product
- Property damage caused by a product failure
- Completed operations — work finished and handed over
- Legal defence and investigation costs
- Claims arising from inadequate warnings or instructions
Common add-ons
- Product recall and withdrawal expenses
- Higher aggregate limits for high-volume sellers
- Vendors endorsements naming your retail stockists
- Cover for products sold abroad
Questions
What people ask about product liability
I only resell. Am I liable?
A retailer or distributor can be named alongside the manufacturer, particularly where the manufacturer is abroad, dissolved or uninsured. Vendors endorsements from your suppliers help, and your own cover is the backstop.
Does it cover a recall?
Not in the base form. Recall expense — retrieving, storing and destroying stock — is separate cover and is usually the larger number.
Often taken together
Related cover
General Liability
Third-party injury, property damage and advertising injury claims against your business.
Read more →Quote Product Liability
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.