Simply Business homepage
  • Business insurance

    Business insurance covers

  • Support
  • Claims
  • Sign In
Call Us0333 0146 683
Our opening hours

Who is liable for damage caused by a defective product?

Start your quote

Under the Consumer Protection Act, manufacturers, distributors, suppliers and retailers could be held responsible for damage, injury or death caused by their product or any of that product’s component parts. However, the party held liable will depend on the specifics of each individual case.

If the injury was brought about by negligence, the blame will lie with the person who was negligent. For example, if a retailer failed to refrigerate an item of food that made the person who bought it sick, they would be liable rather than the manufacturer.

If the product is faulty then the liability for any harm caused by the product lies with the manufacturer. However, if the manufacturer can’t be traced, has gone out of business, or is outside the EU, then a claim could be made against the distributor, supplier or retailer instead.

If a product bares the name of your business, you may also be held liable for any injuries sustained, regardless of whether you were involved in any of the stages of its production and sale.

It’s important to note that the person who claims against you doesn’t have to be the purchaser or the user of the product - if a bystander is injured you will still be held liable.

What will product liability insurance protect me against?

If a lawsuit is brought against you for a faulty product, it could cost you not just in terms of the payout for damage claims, but also any legal fees you might accrue.

Product liability insurance from Simply Business will protect you against both of those costs. You can compare multiple quotes and build a policy tailored to your business needs.

At Simply Business we insure all kinds of trades like:

Is your profession not listed? When you run a quote you can select your trade from over 1,000 options.

Ready to set up your product liability cover?

With Simply Business you can compare multiple quotes and build a tailored policy in just a few minutes. Why not take a look now?

Start your quote

Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.

Subscribe to our newsletter
Who is liable for damage caused by a defective product?

Insurance

Public liability insuranceBusiness insuranceLandlord insuranceTradesman insuranceCharity insuranceNot for profit insuranceRestaurant insuranceCommercial van insuranceInsurers

About

About usOur teamAwardsPress releasesPartners & affiliatesOur charitable workModern Slavery ActSocial mediaSite map

Customer support

Contact & supportPolicy renewalMake a claimProof of policyComplaintsAccessibility

Address

6th Floor99 Gresham StreetLondonEC2V 7NG

Sol House29 St Katherine's StreetNorthamptonNN1 2QZ

Careers

Careers at Simply BusinessTech careersCurrent opportunities

Benefits

BenefitsRefer a friendFinance

Legal

Terms & conditionsPrivacy policyCookie policyVuln Disclosure policy

Knowledge

Knowledge centreOpinionsMicrosites

© Copyright 2022 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.