Business and product liability insurance

Product liability insurance for producers, distributors or sellers

However well-designed the products that you manufacture or sell might be, accidents do happen – and it’s vital that you’re properly protected. With Simply Business, product liability cover can be bought as part of a single business insurance policy, combining other key covers like public liability and professional indemnity. The main aim? To make sure you’re covered if something goes wrong. It’s quick, quality cover, without the hassle.

Selling products online? We can cover you for that too, with online retailers’ insurance built for businesses that sell on the web. We offer excellent value and extensive cover, with stock insurance part of the package. Whether you’re a home-based business or high street retailer, our online retail insurance offers a tailored solution.

Product liability insurance protects you in the event that your product causes injury or damage to a person or their property. You could be liable to pay compensation in these circumstances even if you didn’t manufacture the product, and the costs can be severe.

You might be liable if your business name is on the product, if your business has repaired or made changes to the product, if you imported it from outside the EU, if you can’t clearly identify the manufacturer, or if the manufacturer has gone out of business. Product liability insurance can protect you against this list of possibilities.

If you already have a policy with us and want to add this cover, give our team a call on 0333 014 6683. We’ll check you’re eligible, and help get you up to date.

It’s very important to make sure you understand what you need from your product liability insurance. Use the check points below to get you thinking.

  • Some product liability policies require you to have specific quality control processes in place. You’ll need to adhere to these requirements for your cover to be valid
  • Some products are riskier than others, so make sure you arrange a level of cover that’s suitable for you, your customers and your products
  • Read your policy documents carefully, making sure that you understand any exclusions that may apply

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