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Compare product liability insurance quotes

Regardless of how well-made the products you sell or make are, there is always the potential for accidents – whether that’s an assembly mistake or a mishap in-store or during delivery. To avoid costly fees, you’ll need to invest in product liability insurance. Often, you can incorporate business product liability cover with other insurance quotes, such as public liability or professional indemnity policies. If you’re ready to compare product liability insurance quotes, give us a call on 0800 188 4930 or leave a few details and we’ll call you back. Or read on to find out more about this type of cover.

3 min read

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What is product liability insurance?

A product liability insurance policy protects your business against claims for damage caused by any products your business has manufactured or sold. This includes injuries to a person or a group of people, as well as damage to any property. Product liability insurance policies generally cover you for a set range of scenarios, but it’s worth noting that there are certain circumstances where you will need a more comprehensive policy, particularly in the case of products which are deemed high-risk.

Do I need product liability insurance?

If your business supplies products to customers, it’s your responsibility to make sure they’re safe. Even if you didn’t manufacture the product, you could still be held responsible if it was to cause an accident. In short, you’ll need product liability insurance to protect against claims, whether you’re the manufacturer, retailer or wholesaler.

What’s more, if one of your products is found to have caused injury, damage, or death, you’ll be liable to legal action. This can be extremely expensive and can put intense strain on your business – often resulting in major losses or, in the worst case scenarios, being shut-down.

Even if you didn’t make the product, as a retailer or distributor, you have a responsibility to your customers to ensure that it is safe. If you’re importing goods from outside the EU, this is even more important as it is your sole responsibility to ensure the product is safe.

But it doesn’t just stop there – a product is again deemed your responsibility if it has your name on it or you can’t identify the original manufacturer. You’ll also be held responsible if you have repaired or changed the product.

Finally, if the original manufacturer of the product has gone out of business, you’ll need to ensure the safety of product before any sale.

Although it’s not a legal requirement, you should always consider taking out cover to protect your business, and you may even find that some manufacturers, distributors and retailers will require you to have cover in place as a part of any deal you agree.

What does product liability insurance cover?

If a member of the public becomes injured because of your product, or their property was in some way damaged, your business would be liable to cover any related costs. This could include hefty legal fees and compensation payments. Business product liability insurance is available to cover these charges.

For businesses who design, sell or produce products, it’s highly recommended that you take out this cover. Although price shouldn’t be your sole focus when comparing deals, there are plenty of cheap product liability insurance policies which will cover you for a range of eventualities but won’t break the bank.

The most common instance of product liability claims being made is when a customer is injured as a direct result of a certain product, but you also need to be covered for damage to property and undetected faults that your quality assurance system failed to spot.

The amount of cover required will depend on a variety of factors including the type and volume of products sold. Insurers typically provide cover between £1 million and £5 million.

What is the difference between public and product liability insurance?

Despite the similarity in name, there is a difference between product and public liability insurance policies. Put simply, public liability insurance will cover you if someone is injured as a result of the day-to-day running of your business. Product liability, as the name suggests, is always in relation to a product.

For example, if somebody were to slip on a wet floor on your premises, you would be covered under your public liability policy. If a client were to injure themselves because a defective product had a sharp edge that cut them, it would be your product liability insurance that comes into action.

As these are very similar, some insurers will offer the two in one package, to offer you comprehensive cover in a single policy for a single premium.

How to compare product liability insurance quotes

At Uswitch for Business, we understand how important your business is to you, and how important it is to get the right cover at the right price – you don’t want to overpay for insurance, but you need the peace of mind you have the right cover in place if you ever have to make a claim.

The simplest way to obtain a cheap product liability insurance quote is to tell us what you’re looking for and we’ll compare what’s on offer. We’ll do all the hard work, so you can get back to the day-to-day running of your business – saving you time and money. To get started give us a call on 0800 188 4930 or leave a few details at the top of the page and we’ll call you back.

What is product liability insurance?
Do I need product liability insurance?
What does product liability insurance cover?
What is the difference between public and product liability insurance?
How to compare product liability insurance quotes

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