Product Liability Insurance

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Product Liability Insurance

Coverage against liability for placing a defective product into the hands of a consumer

Product liability insurance protects against claims of personal injury or property damage caused by products sold or supplied through your business. It is designed to help protect your business by ensuring that if this happens, you don’t have to pay any legal or court costs.

Risks Covered

The claimant’s costs and expenses associated with a claim
The insured’s legal costs. Even if the business was not the cause of alleged injury or damage, the costs and expenses incurred in taking legal advice and defending an action in court can be substantial
Legal costs and expenses in defending prosecutions under relevant legislation

Exclusions

Contractual liability
The cost of recalling, replacing or repairing products supplied
The cost of rectifying defective work
Unsuitability or failure to perform
Loss or damage to property in the custody or control of the insured
Professional negligence

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