Is product liability the same as public liability?

No. Public liability generally responds to incidents at your premises or arising from your operations; product liability responds to harm caused by the product after it has left your control.

We only distribute — do we still need it?

Distributors and importers can be treated as suppliers under many liability regimes, and are frequently named in claims. Cover is commonly arranged even where manufacture is elsewhere.

Transaction Protection

Product Liability Insurance

Protection for manufacturers and suppliers against certain covered third-party claims for bodily injury or property damage caused by their products.

Request a Quote All insurance solutions

What it covers

Third-party bodily injury and property damage caused by a covered product
Legal defence costs, subject to policy terms and limits
Worldwide or territory-specific cover depending on where products are sold
Extensions such as product recall arranged separately where available

Commonly excluded

Repair or replacement cost of the product itself
Recall expenses unless specifically insured
Known defects and deliberate non-compliance with standards
Territories, products or applications excluded by the policy

Eligibility

Product type, application and export markets acceptable to underwriters
Quality management, testing and traceability procedures
Claims and recall history

How a claim works

01Notify insurers immediately of any claim or circumstance that may lead to one
02Do not admit liability or agree settlement without insurer consent
03Preserve the product, batch records and traceability data
04Cooperate with appointed defence lawyers and technical experts

Who it is for

Manufacturers and assemblers
Importers, distributors and resellers
Suppliers of equipment used in industrial or public environments

Key benefits

Protects the balance sheet against a claim arising years after sale
Often required by distributors, retailers and large corporate buyers
Access to specialist legal defence and claims handling
Supports entry into markets with strict product-liability regimes

Documents to prepare

Product range, specifications and technical files
Turnover split by territory
Quality certifications and test reports
Claims history and warranty terms

Request a quote

Describe the transaction or exposure. We will confirm the information underwriters need and approach suitable providers through licensed partners.

Start a quote request

Portal members can track quote status, policies and claims after signing in.

FAQ