Product Liability Insurance
Product liability insurance covers manufacturers, distributors, and retailers when a product causes injury or property damage.
Product Liability Insurance for Growing Businesses
A single defective batch can trigger recalls, lawsuits, and reputational damage. Product liability insurance helps manufacturers, importers, distributors, and retailers respond to claims that a product caused harm.
Remco Insurance Services designs product liability programs nationwide with limits aligned to retail partners and contracts.
What Is Product Liability Insurance?
Product liability insurance covers bodily injury and property damage arising from products you manufacture, distribute, or sell. Claims may allege manufacturing defects, design defects, or failure to warn consumers of risks.
General liability includes products-completed operations coverage, but high-volume or high-risk products often need higher dedicated limits or standalone product liability policies.
Product Liability Coverage Areas
Address defects, recalls, and supply chain risk.
Manufacturing Defects
Flaws introduced during production that make a product unsafe.
Design Defects
Inherent design problems even when manufactured correctly.
Failure to Warn
Inadequate instructions or warnings on labels and packaging.
Completed Products
Harm occurring after the product leaves your control.
Vendor & Supplier Issues
Claims involving components sourced from third parties.
Recall Support
Some policies offer limited recall expense coverage by endorsement.
Why Product Liability Matters
Retailers and marketplaces increasingly require vendors to carry product liability certificates. Consumer protection laws and class actions can threaten company viability without adequate limits.
We document your quality control, testing, and contractual indemnities with suppliers to present a strong submission to underwriters.
Frequently Asked Questions
Manufacturers, importers, wholesalers, and retailers of tangible goods should carry product liability. Software and services may need E&O instead or in addition.
CGL includes products-completed operations, but limits may be insufficient for high-hazard goods. Standalone policies add capacity and specialized terms.
Standard liability pays third-party injury claims. Recall expense coverage is usually a separate endorsement with its own limit.
You may still be sued first. Your policy defends you, and subrogation may pursue suppliers afterward depending on contracts.
Retail partner requirements, units sold, product category, and claims history drive limit selection. We benchmark against industry norms.
Yes. Importers are often named in lawsuits even when manufacturing occurs overseas. Policies can be tailored to importing models.
Get Product Liability Coverage
Protect your brand and balance sheet from product-related claims with appropriate limits.
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