Product Liability Insurance
If you import products or manufacture here in the UK, Product Liability Insurance is an essential part of your commercial insurance programme that protects against a customer being injured, for example by a manufacturing defect or product contamination.
Retailers importing products from outside the EU are at risk due to Legislation and the difficulties of subrogating claims against overseas manufacturers.
Your Product Liability insurance company will take on this subrogation right on your behalf and use their experience to successfully pass claims on to the responsible party.
We provide Product Liability Insurance for a wide range of goods, from Aircrafty, Automotive, Rail & Construction to Childrens Toys and Sports equipment to Foods& Beverages, ingredients and health supplements.
Specific product liability insurance is also available for medical products which can include medical trials.
Whatever you need we can provide advice and assistance to protect your business.
We compare a wide range of quotes to ensure you get the best deal
Cover limits up to £50,000,000 are available
Full support and assistance when you need to make a claim
If you would like to discuss a Product Liability Insurance enquiry please complete the form below and one of our specialist advisors will give you a call.
What is Product Liability Insurance?
If you are a business that sells products, these could cause your customer an injury through being defective. Product Liability Insurance protects you from this risk. Normally this cover is provided within the Public Liability section of your Commercial Business Insurance, however in respect of high risk products such as Pharmaceuticals, a separate policy may be required.
I am not a manufacturer, do I need Product Liability Insurance?
Yes, every business which sells a product intended for the end user in the form it leaves your premises, as opposed to providing a service, needs Product Liability Insurance. If you are not the manufacturer then there is a good chance you can pass liability back to them, but you will still need to defend the claim and obtain an indemnity from the manufacturer which will require the help of insurers.
Importing from outside the EU.
Under EU Law, the importer who first receives products manufactured outside the EU becomes the statutory liable party for injury caused by defects. Product Liability Insurers can still assist you to defend a claim and pass the liability to manufacturers is possible. It is often difficult to force manufacturers based in the Far East to accept liability because of the differences in legal systems and language.
Selling or Exporting to USA & Canada
Our Product Liability Insurance can cover sales & exports to USA & Canada and because of our experience in arranging cover for high risk product liability insurance, we can offer competitive prices and proactive methods to reduce your risk.
High Risk Products
We have a great deal of experience providing high risk product liability insurance, some of the products we have insured include:
- Aircraft, Automotive & Rail Sector
- Powered Toys, Mini Motos & Mini Quads
- Childrens Bikes & Sports Toys
- Food ingredients, Health Supplements
- Knives & Replicas, Airguns & BB Guns
- Pyrotechnics, Explosives and detonators
- Medical Products & Pharmaceuticals
- Construction Industry Products, Cladding Products
Our Product Liability Insurance related services:
Consider this product of you undertake Design or Specification of products but do not manufacture the any products.
Consider this product if you are a manufacturer of any goods. This suite of Insurance products will protect your Product Liability Insurance as well as Property, Business Interruption, Employer’s Liability and General Liability.
Consider this product if you import goods especially if these are then stored prior to sale.