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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.
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Product liability insurance protects against claims for personal injury or property damage caused by a product your business designed, sold or supplied. It can cover legal fees and compensation costs if someone sues you. Keep in mind that you could be liable even if you didn’t make the product.
While product liability insurance isn’t a legal requirement, you may need it if your business designs, manufactures or supplies a physical product, either sold or given away for free. You may be held legally responsible for any property damage or physical injuries caused by a faulty product.
You might be liable if:
Product liability insurance can protect you against the above.
If you’d like to know more, check out these FAQ pages:
Both product liability and public liability cover you for injury or damage claims made against you. Product liability covers you against injury or damage caused by an item you have manufactured, sold or supplied, while public liability covers you if it happens during the day-to-day running of your business.
With Simply Business you can get both as part of a single policy.
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.