Product liability insurance
What is product liability insurance?
Product liability cover is designed to protect against legal and compensation costs if someone is injured or their property damaged by your business's product.
- Compensation costs
- Legal costs
- Select from £1m, £2m or £5m cover
- As a package, with public liability
Set up your product liability insurance online in less than 10 minutes.
Change or cancel it at any time.
How product liability can help your business
Protection against legal costs
Whatever role your business plays in the product lifecyle, it's impossible to have complete control over what happens to your product once it's the hands of a customer. If something does go wrong, you could face a claim for injury or damage in relation to your product.
You may expect liability to fall with the manufacturer - but this isn't always the case. Even as a distributor, or retailer, you could be liable for a product liability claim. Particularly if the manufacturer can’t be traced, has gone out of business, or is outside the EU.
Support, when things go wrong
We hope nothing does go wrong - but if you do experience a claim, we'll be here to support you and your business through your claim, from start to finish.
What does product liability cover?
Find out more about the risks it covers and what to look out for.
Cover against defective products
No matter how much quality assurance takes place at your business, you can't control everything. Depending on the type of product you deal with, a claim could range from fairly small, to a devastating amount. If your business sells gardening tools, for example, and those tools ended up being defective and injured someone, you as the reseller could be liable for the injury.
Cover against contaminated food products
If your business manufactures, supplies or sells food products, a claim could range from a food causing someone to be unwell, to something as serious as death - if, for example, an item were accidentally contaminated with an allergen.
Cover against products that don't meet standards
The EU imposes strict standards on goods (plastics used in toys, for example). Often, countries where products are manufactured have different standards. If you accidentally slip up on due-diligence and sell or supply products that don't meet UK standards, you'll find yourself liable for any repercussions.
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Product liability insurance FAQs
Product liability will protect you against costs in relation to a lawsuit brought against you as a result of your product(s) causing damage or injury.
Product liability cover is not mandatory in the UK, but many businesses consider it as they would be unable afford a large claim.
The excess on this cover is £250 per claim. This means that should you need to make a claim, you'll need to contribute £250 and we'll cover the rest of the costs. Please be aware, however, that for offline advised clients who have tailor-made policies, the excesses do vary depending on the risk.
Even if your business is a supplier or a retailer, you'll want to consider product liability. Although product issues will often fall with the manufacturer, if the manufacturer can't be traced, no longer exists, or is located outside the EU, you may find yourself liable.
As a first line of defence, make sure you check the contracts you sign with the manufacturer. Understand where your responsibilities lie when it comes to product liability and we can help with the rest!
Customise your cover
To simplify things, we've categorised our covers into three groups: essential covers, professional covers, and management covers. You'll be guided through these different options during the quotation process.
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Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.