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
  • rated 4.7/5 based on 39K+ public and product liability insurance uk customer reviews
  • 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

chiswell insurance

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

£100

£2500

Employers’ liability

No excess

No excess

Tools

£60

£500

Stock

£100

£500

Business and office equipment

£50

£750

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.


How it works

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Get prices from a range of insurers

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Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

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0333 043 8527

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FAQs

Find answers to common insurance questions


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

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.

If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 0146 683. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

  • one-off credit or debit card payment
  • BACS payment
  • Direct Debit

If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

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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