Product Liability Insurance

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What is Product Liability Insurance?

Product Liability Insurance is a type of business insurance that covers the cost of compensation claims made against you if someone is injured or their property is damaged by a product that you’ve sold. It is also worth nothing that, in certain situations, you may be liable even if you haven’t actually manufactured the product.

Do you need Product Liability Insurance?

Firstly, Product Liability Insurance isn’t a legal requirement. That said, some businesses that work in your supply chain may insist you have it. If your business manufactures, designs or supplies physical products to customers, then Product Liability Insurance is unquestionably a useful to purchase as part of your business insurance. Also, you can still be liable for faulty products even if you didn’t manufacture them.

Is your business name on the product?

Then you should really have Product Liability Insurance

Do you refurbish or repair products

Then if something goes wrong with them, you could be liable

Do you sell second-hand products?

Then Product Liability Insurance is still something you should have

How much Product Liability insurance cover do you need?

We can help you work out how much product liability cover you need for your business. As part of this process we will think about the possible size of a compensation cost if someone was injured, such as medical costs and loss of income costs. The amount of cover you’ll need will also depend on the type of business you run. Most insurance providers offer product liability cover between £1 million and £5 million, but we can arrange policies with more cover if needed.

We can arrange product liability insurance for your business

We have many years of experience in arranging cover for our clients in Leeds and the surrounding areas. We can help you understand the level of cover you need through our simple process.

Step 1: Your requirements

We meet with you to understand your unique business and the risks it faces.

Step 2: Find your policy

We will take the information away and research the market to find the most suitable policy for you.

Step 3: You're covered

Once you have agreed, we put your policy in place and you can be confident you are covered.