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Obtaining US Product Liability Insurance can be a challenge, but with our experience Butler Evans can help guide you to getting the right coverage at an affordable cost.

If you sell into North America you will be aware of the risk of being sued in USA & Canadian courts. If those legal claims succeed they can be enforced through the UK Legal system (or where ever else you may be domiciled). Our specialist US Product Liability Insurers will cover you no matter what your business, giving you complete peace of mind.

 

US Product Liability

Any business selling into these markets is at risk including exporters, drop-shipping companies and of course the manufactures themselves. As a business selling products into the USA & Canada you are in the direct firing line of their courts if something goes wrong.

US Product Liability can cost as little as a few hundred pounds for low risk products. We have successfully insured higher risk products at affordable costs using risk management strategies to improve Insurers confidence in your business. 

Obtaining a quotation for US Product Liability is fast and straightforward, please complete our enquiry form on this page and one of our specialist staff will contact you to provide no obligation advice and a quotation.

We compare a wide range of quotes to ensure you get the best deal

Full support and assistance when you need to make a claim

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What is US Product Liability Insurance?

Product Liability Insurance is protection against legal liability for injuries caused to consumers by some form of defect in the product supplied. The legal basis for this liability is the same in the USA & Canada as most other legal systems, however due to the increased likelihood of litigation in these countries then Insurers tend to underwrite these risks separately to other product liability exposures.

How much cover should you buy for US Product Liability Insurance?

Our experienced staff can give you advice on a sensible level of cover you should purchase, but we would certainly recommend you purchase as much cover as you can afford with a minimum of £ 1,000,000 any one occurrence.

What does a Claims Made Basis for US Product Liability Insurance mean?

Certain higher risk products such as Medical Devices and Pharmaceuticals may be insured on a Claims Made policy wording. This differs from a conventional Losses Occurring basis in the following way. Losses Occurring means that your Insurers will cover claims arising from losses occurring during the policy period – for example the date when a customer was injured. However Claims Made policies cover those legal claims made against you during the policy period, but the injury will have occurred at a previous date. The reason Insurers cover risky products on a Claims Made basis is because they can identify known claims and close their underwriting years more quickly leading to less uncertainty and lower premium charges.

Products that Butler Evans can insure under our US Product Liability Insurance cover include:

There are no excluded products from our Insurers policies and we can cover any product sold into North America including:

  • Medical Devices
  • Sports Equipment
  • Health Supplements
  • Personal Protective Equipment
  • Motor Vehicles & Automotive Parts
  • Marine & Aviation products
  • Food & Beverages
  • Toys
  • Knives & Tools
  • Scooters, quads, motorbikes

 

Security of our US Product Liability Insurers:

As a responsible Insurance Broker and affiliate to the Willis Towers Watson Network, we source our customer’s Insurance products from secure insurers with a recognised credit rating from across the UK & Lloyd’s and London Insurance Markets.

For further help and advice call 0845 431 0448 or email: enquiries@butlerevans.co.uk