Overview of Product Liability Insurance
Product liability insurance helps protect a business that makes, distributes, or sells physical products when a product is alleged to cause bodily injury or property damage. It may cover legal defense and liability for claims of manufacturing or design defects or inadequate warnings. In California, sellers and distributors, not only manufacturers, can be drawn into these claims.
If your business makes, distributes, or sells physical products, product liability protects you when a product is alleged to cause injury or property damage. A single defective item can lead to a serious claim, and this coverage helps you respond.
What is covered by Product Liability Insurance Insurance?
What does Product Liability Insurance cover?
- Bodily injury allegedly caused by your product.
- Property damage allegedly caused by your product.
- Claims of manufacturing or design defects.
- Alleged failure to warn or inadequate instructions.
- Legal defense costs.
Why Product Liability Insurance Insurance is important
California applies strict product liability standards, which can hold parties in the supply chain responsible for a defective product regardless of fault. Sellers and distributors, not just manufacturers, can be drawn into a claim.
Who needs Product Liability Insurance Insurance?
Manufacturers, wholesalers, distributors, importers, and retailers. Even businesses that only resell products can face claims, and retail partners and marketplaces often require this coverage before they carry your goods.
How to get Product Liability Insurance
Tell us what you make, distribute, or sell. We review your product exposures and contracts with you, explain how product liability often fits within or alongside general liability, and help you put appropriate coverage in place. We stay with you as your product line changes, and we advocate for you if a claim arises.
Common questions about Product Liability Insurance
Answering the most frequently asked questions about Product Liability Insurance.
Start Your Product Liability Insurance Quote
Schneiderman Insurance Agency makes the process of finding Product Liability Insurance convenient for you. Tell us about your situation, we review your risks and options with you, we help you put the right coverage in place, and we stay with you at renewal.
