Product liability insurance

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Product liability insurance


Despite the hard work that small businesses put in to ensure they manufacture high-quality goods, there is still the chance that products could fail to work properly. For example, a children's apparel company could produce clothing that fits improperly and poses a suffocation hazard, or a food service business could bake pastries with an ingredient that triggers a customer's allergic reaction.

There is always the potential for defects that can result in bodily injury or property damage - serious risks neither your business nor customers can afford. That’s why all businesses that sell products should have product liability coverage. Find out what product liability insurance is and how much your small business might need:

How does product liability coverage work?


Product liability insurance isn’t merely a product guarantee or warranty. It protects businesses from the fallout that occurs in the event that a product causes injury or other damage to third parties.

Consumers can be harmed by how a product is manufactured, designed, marketed or misused. Even if a product is used incorrectly, your business could still be liable for any damage that results.