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Product Liability Insurance

Product liability insurance can provide coverage if a product your business manufactured, designed, sold or distributed caused bodily injury or property damage. It may be available as a stand-alone policy or as part of a general liability insurance policy.

Our experienced team can help with your commercial insurance needs. Contact us today for more information.

What Does Product Liability Insurance Cover?

Product liability insurance may cover consumer lawsuits against your business regarding products causing property damage or bodily injury due to:

  • Design defects
  • Manufacturing defects
  • Marketing defects (e.g., failure to warn or inadequate instructions)

Coverage for strict liability claims, which occur when a business is responsible for injuries or property damage to its products without the showing of negligence, may also be available.

The payments from product liability insurance may help compensate the affected parties (e.g., help pay for medical expenses or property losses) and cover associated legal fees, settlements and judgments.

Who Needs Product Liability Insurance?

Several types of business should consider product liability insurance, including, but not limited to:

  • Retailers
  • Manufacturers
  • Wholesalers
  • Distributors
  • Importers
  • Online retailers
  • Contracting and construction operations
  • Restaurants

It may be beneficial for businesses to conduct a risk assessment to help determine if product liability insurance is right for their insurance portfolio. Your agent can help you with this analysis.

Get Product Liability Insurance

Contact our knowledgeable team to learn more about product liability insurance and other commercial insurance coverage. Don Ramatici Insurance can help you select the policies that best meet your needs.

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