Product liability insurance

Product liability insurance quotes

No matter well-designed the products you make or sell may be, accidents do happen – so it’s vital you’re properly protected. With Simply Business, you can buy product liability cover as part of a single business insurance policy, combining it with covers like public liability and professional indemnity.

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. For example, if you sell a toy that causes injury because of a fault, product liability insurance can cover the resulting claim.

Keep in mind that you could be liable even if you didn’t make the product.

Need more detail? Read our FAQs:

• What is product liability insurance?
• How much product liability insurance do I need?
• Business insurance FAQs

Cover from £6.79 a month, get insured in minutes. (10% of direct debit customers repay their annual policy in 10 monthly payments of £6.79 or less across all our trades insured. Based on data from 1 July - 31 December 2020, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

Do I need product liability insurance?

While product liability insurance not a legal requirement, you may want it if your business designs, manufactures or supplies a physical product that you sell or give away for free. This is because you could be liable for any property damage or physical injuries caused by a faulty product.

You might be legally responsible 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

The difference between public and product liability insurance

Product liability covers you against injury or damage caused specifically by an item you have manufactured, sold or supplied. But public liability covers you if someone is injured or their property is damaged in 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 important to make sure you understand what you need from your product liability insurance.

• Sometimes you’re required to have specific quality control processes in place, which you need to adhere to 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 and make sure you understand any exclusions that may apply

Why Simply Business?

It's quick and easy to build a tailored policy with us, adding product liability insurance according to the needs of your business.

• We’re one of the UK’s biggest business insurance providers
• 9/10 ratings say we’re good (or excellent)
• 800,000 active policies (and counting)
• Claims handled by an award-winning team
• Compare quotes from multiple insurers
• We have an expert, UK-based contact centre