Product liability insurance

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Product liability insurance for producers, distributors or sellers

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.

Cover your online trade

Selling products online? We can cover you for that too, with online retailers’ insurance built for businesses that sell on the web. We offer excellent value and extensive cover, with stock insurance part of the package. Whether you’re a home-based business or high street retailer, our online retail insurance offers a tailored solution.

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What is product liability insurance?

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.

Do I need product liability insurance?

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:

  • your business name is on the product
  • your business has repaired or made changes to the product
  • you imported it from outside the EU
  • you can’t clearly identify the manufacturer
  • the manufacturer has gone out of business

Product liability insurance can protect you against the above.

If you’d like to know more, check out these FAQ pages:

Public and product liability insurance

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.

Add product cover to your 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.

Check the details

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.

  • Some product liability policies require you to have specific quality control processes in place. You’ll need to adhere to these requirements for your cover to be valid
  • Some products are riskier than others, so make sure you arrange a level of cover that’s suitable for you, your customers and your products
  • Read your policy documents carefully, making sure that you understand any exclusions that may apply

Why Simply Business?

  • We’re the UK’s biggest business insurance provider
  • 9/10 ratings say we’re good (or excellent)
  • 425,000 customers (and counting)
  • Claims handled by an award-winning team
  • Quote comparisons available from multiple insurers
  • We run things from an expert, UK-based contact centre

Customer reviews

Our rating

4.6 /5

Working out our score

Our score is based on the reviews we’ve collected on Feefo, the independent customer research specialist. For more details on how this works, click below.

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Customer testimonials

“Been a customer for several years now for public liability insurance. A pleasure to do business with.”

Jason Cooper, Tradesman

What our customers are saying

We value the reviews and ratings we receive from our customers, whether they’re good or bad. We use this feedback to continuously improve how we work with (and for) our customers.

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