Product liability insurance

Product liability insurance

  • Public liability
  • Professional indemnity
  • Employers' liability
  • Tailored insurance cover

Quotes provided by:

Business insurer logos

Product liability insurance for your business

If your business sells or manufactures products, you are responsible for the quality of those items and any problems that occur with them once they are sold. Essentially, you are legally responsible for any damage that those products cause to your customers.

What does product liability insurance cover?

If your products cause injury to a person or damage to their property, you could be liable to pay for any compensation costs. Product liability would cover those costs on your behalf, helping you to avoid what could be considerable expense to your business.

Which businesses need product liability?

Even if you haven’t manufactured a faulty product, you could still be liable for it if you have sold it. You are 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; or, if you cannot clearly identify the manufacturer or the manufacturer has gone out of business.

Otherwise, the manufacturer or processor is responsible. Still, a retailer will have to prove certain things; for example, that the products were faulty when supplied to you.

Details to look out for on your policy

  • There may be stipulations as to quality control of products. You must adhere to these in order to be covered.
  • Check the exclusions on your policy to make sure you have the cover that best fits your business.
  • Some products invite more risk than others. Make sure you get the level of cover that is right for your products.

You may also be interested in...

Shop insurance

Shop insurance
  • Buildings insurance
  • Stock and cash cover
  • Public liability insurance
Compare shop insurance

Invoice finance

invoice finance - factoring
  • Invoices paid on time
  • Balance your cashflow
  • 95% of invoice amount paid
  • Cash in 24 hours
Compare invoice finance quotes

We are here to help

Search our frequently asked questions
Contact our customer services
Send us a tweet @sb_help
Call: 0845 450 9959

We will respond during office hours:
Mon-Fri 9am-6pm
Saturday 9am-2pm

Show others that you are insured

Order free stickers
or add a link to your
policy from your

Learn more