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 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 motorised vehicles, childrens toys and sports equipment to food 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
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:
- Mini Motos & Mini Quads
- Childrens Bikes & Toys
- Food ingredients
- Knives & Replicas
- Airguns & BB Guns
- Medical Products & Pharmaceuticals