Product Liability Insurance

No matter how great your products are, accidents happen. If someone is injured or their property damaged by your product, product liability would help with your legal and compensation costs.

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What is Product Liability Insurance?

Product liability cover is designed to protect against legal and compensation costs if someone is injured or their property damaged by your business's product.

Compensation and legal costs

As a package, with public liability

Select from £1m, £2m or £5m cover

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How product liability can help your business

Protection against legal costs

Whatever role your business plays in the product lifecycle, it's impossible to have complete control over what happens to your product once it's the hands of a customer. If something does go wrong, you could face a claim for injury or damage in relation to your product.

Full protection

You may expect liability to fall with the manufacturer - but this isn't always the case. Even as a distributor, or retailer, you could be liable for a product liability claim. Particularly if the manufacturer can’t be traced, has gone out of business, or is outside the EU.

Support, when things go wrong

We hope nothing does go wrong - but if you do experience a claim, we'll be here to support you and your business through your claim, from start to finish.

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Cover against defective products

No matter how much quality assurance takes place at your business, you can't control everything. Depending on the type of product you deal with, a claim could range from fairly small, to a devastating amount. If your business sells gardening tools, for example, and those tools ended up being defective and injured someone, you as the reseller could be liable for the injury.

Cover against contaminated food products

If your business manufactures, supplies or sells food products, a claim could range from a food causing someone to be unwell, to something as serious as death - if, for example, an item were accidentally contaminated with an allergen.

Cover against products that don't meet standards

The EU imposes strict standards on goods (plastics used in toys, for example). Often, countries where products are manufactured have different standards. If you accidentally slip up on due-diligence and sell or supply products that don't meet UK standards, you'll find yourself liable for any repercussions.

Defective products

Contaminated food products

Products that don't meet standards

P3 AUDIT LIMITED

What will product liability insurance protect me against?

Product liability will protect you against costs in relation to a lawsuit brought against you as a result of your product(s) causing damage or injury.

Is product liability a legal requirement?

Product liability cover is not mandatory in the UK, but many businesses consider it as they would be unable afford a large claim.

What's the excess on this cover?

The excess on this cover is £250 per claim. This means that should you need to make a claim, you'll need to contribute £250 and we'll cover the rest of the costs. Please be aware, however, that for offline advised clients who have tailor-made policies, the excesses do vary depending on the risk.

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