Product liability insurance

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Why is public and product liability insurance important?

Product and public liability insurance are often wrapped together by insurers, and both are designed to support your business if you and your products are held responsible for an illness, injury, or damage. Whether you’re just selling the products or involved in design, manufacture, production, or repairs, product liability insurance can provide extra support if something goes wrong.

  • product liability insurance uk, with support from our UK-based contact and claims team
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  • food product liability insurance between £1 million and £10 million


What does product liability insurance cover?

Product insurance with liability cover is designed to protect your business against compensation costs, if someone is injured or develops an illness, or their property is damaged, by a product you’ve designed, made, sold, or supplied. It can also provide support for claims made against faulty products, for example if they fail to carry out the intended task.


How much does product and public liability insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.74 per month

Get your tailored quotes in 7 minutes

Example product liability insurance quotes, real prices

Looking for something else?

Depending on your set-up, clients and business type, these expert covers might be helpful too:

When you run a quote you can select from a range of covers.


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How do product liability insurance claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

Chosen by nearly 1 million small businesses and landlords

Products liability insurance FAQ

Whether you’re new to buying insurance or you’ve been operating your business for a while, here are the answers to some commonly asked questions about product insurance for small business teams and owners.

You can also check out our business insurance FAQs.

We often provide both of these covers together in the same policy, but public liability is usually connected to your services, work, and actions as a business, whereas product liability focuses on the products you’ve made, supplied, and/or sold.

Although product liability insurance isn’t a legal requirement, it could provide important cover for any business involved in the supply chain of a product.

You could face legal proceedings if a defective or faulty product causes injury, illness or property damage. Without appropriate cover, this could result in negative financial implications for your business.

Additionally, when you’re looking for suppliers, manufacturers or retailers to work with, you may find a product liability policy to be a contractual requirement.

Calculating how much product liability insurance your business may need involves working out the maximum cost of a potential claim. This will depend on the types of product you design, manufacture, repair or sell and the level of risk involved if something goes wrong.

Product liability insurance can cover the cost of defending and settling claims relating to illness, injury or damage to property caused by a faulty product.

We can add a product liability policy to your public liability insurance and tailor your cover with the level of protection your business may need – up to £10m if required.

Failing to meet regulations in this area can bring criminal claims too, so we can also cover legal defence costs up to £100,000.

It could be worth taking out a product liability policy when you start selling your products to the public. Product liability insurance is usually combined with a public liability policy to give you an extra layer of protection. 

So if you’re a manufacturer or retailer, a policy could provide some reassurance that you should be covered for any potential claims down the road. 

Exclusions – check to see what your policy doesn’t include or explicitly excludes to ensure that you have the right cover for your business.

Stipulations – the product liability policy might include stipulations with regards to quality control – you will need to adhere to these to ensure you’re covered.

Harm caused by a defective product – and liability for it – could potentially be attributed to any business within the supply chain.

Each case will have its nuances and this evidence will be used to identify which party is to blame. For instance, if a product is faulty, the blame may fall with the manufacturer, but if a faulty element in the product came from a supplier, the supplier or both parties may be liable. Meanwhile, a contaminated food product causing illness could mean both manufacturer and retailer are liable for failing to take necessary precautions.

This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

If you employ people, you’re required by law to have employers’ liability insurance.

There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild, or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We provide a range of cover options for specific business types, including:

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


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