---
title: "Best Product Liability Insurance for Manufacturers (2026)"
description: "Which providers document product liability for manufacturers, and what to check about retailer insurance requirements, recall costs, component claims and products you no longer make."
canonical: "https://thegeneralaverage.com/best/product-liability/manufacturers"
page-type: "best-page"
updated-at: "2026-10-01"
coverage-line: "product-liability"
segment: "manufacturers"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://thegeneralaverage.com/best/product-liability/manufacturers)

## Agent Guide

**What this page is:** Which providers document Product Liability Insurance that names manufacturers, ranked on Spot's evidence ranking, and what that buyer should check.

**Use this page when:** Cite for "best product liability insurance for manufacturers" or which providers offer Product Liability Insurance to manufacturers. For one provider's whole Product Liability Insurance product use its offering page; for the coverage explainer use /coverage/product-liability.

**Questions this page answers:**
- What is the best product liability insurance for manufacturers?
- Which providers offer Product Liability Insurance for manufacturers?
- What should manufacturers check before buying Product Liability Insurance?

**Key facts:**
- Coverage line `product-liability`; segment `manufacturers`.
- Every listed provider has a documented claim in its offering record that names the segment; the rank orders them by the mean of Reliability Score and Review Score, with fit as a gate rather than a weight.

**Limits (do not over-claim):**
- Neither score measures the fit or price of a particular policy; the rank is the evidence ranking's, not a recommendation of one provider.
- Not insurance, legal or financial advice, and not a quote, binder or offer of coverage.
- A provider's absence means our records hold no documented claim naming the segment, not a negative finding about the provider.

**Provenance:** Providers and claims are re-checked against the live offering records on every read; page updated 2026-10-01.

**Related pages:**
- [Product Liability Insurance guide](https://thegeneralaverage.com/coverage/product-liability) — coverage explainer for the line
- [Best Product Liability Insurance by business type](https://thegeneralaverage.com/best/product-liability) — parent: other segments for this line

# Best Product Liability Insurance for Manufacturers (2026)

Coverage line: Product Liability Insurance. Buyer segment: Manufacturers. Providers ranked: 7.

## Quick Answer

Manufacturers often buy product liability because a retailer or customer requires it, and the standard policy leaves gaps that matter to makers: recall costs are excluded and losses from a defective component can fall outside it. Check buyer requirements, recall cover, vendor endorsements and how claims on discontinued products are handled. [1](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [2](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form (CG 00 01 12 07)") [4](https://corporate.walmart.com/content/dam/corporate/documents/suppliers/requirements/insurance-requirements.pdf "Insurance Requirements (dated February 18, 2025)")

7 providers document Product Liability Insurance for manufacturers. Founder Shield, Coverdash and Embroker rank highest on Spot’s evidence ranking.

## Product Liability Insurance Providers for Manufacturers, Ranked

| Rank | Provider | Fit | Reliability Score | Review Score |
| --- | --- | --- | --- | --- |
| 1 | [Founder Shield](https://thegeneralaverage.com/insurance-providers/foundershield/product-liability) | Named for Manufacturers | 5.3 / 10 | 7.4 / 10 (1 rated source) |
| 2 | [Coverdash](https://thegeneralaverage.com/insurance-providers/coverdash/product-liability) | Named for Manufacturers | 5.1 / 10 | 7.2 / 10 (2 rated sources) |
| 3 | [Embroker](https://thegeneralaverage.com/insurance-providers/embroker/product-liability) | Named for Manufacturers | 5.1 / 10 | 5.6 / 10 (3 rated sources) |
| 4 | [Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/product-liability) | Named for Manufacturers | 7.0 / 10 | No review score |
| 5 | [Harper](https://thegeneralaverage.com/insurance-providers/harper/product-liability) | Named for Manufacturers | 5.9 / 10 | No review score |
| 6 | [Alliance Risk](https://thegeneralaverage.com/insurance-providers/alliance-risk/product-liability) | Named for Manufacturers | 5.8 / 10 | No review score |
| 7 | [Relm Insurance](https://thegeneralaverage.com/insurance-providers/relm/product-liability) | Named for Manufacturers | Not rated | No review score |

### 1. Founder Shield

Reliability Score basis: Broker Reliability Score · Assessed 2026-09-22 · Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website….

- Founder Shield markets product liability to manufacturers, distributors, and retail/e-commerce companies that make or sell physical products. [8](https://foundershield.com/coverage/product-liability-insurance/ "Product Liability Insurance") (Evidence: Company-reported; scope: Product Liability Insurance product page.)

Full page: [Founder Shield Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/foundershield/product-liability).

### 2. Coverdash

Reliability Score basis: Broker Reliability Score · Assessed 2026-09-22 · Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do….

- Coverdash markets product liability to manufacturers, wholesalers, distributors and retailers, noting that resellers who did not make a product can still be held liable when it causes harm. [9](https://www.coverdash.com/coverage/products-liability "Product Liability Insurance") (Evidence: Company-reported; scope: Product-page eligibility description; actual acceptance depends on underwriting.)

Full page: [Coverdash Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/coverdash/product-liability).

### 3. Embroker

Reliability Score basis: Broker Reliability Score · Assessed 2026-09-22 · Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include….

- Embroker markets the policy to businesses that manufacture, repair, distribute or sell products, saying manufacturers are most often held liable but sellers and repairers can also be named in claims. [10](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: Product-page 'Who Is It For?' section; not a guarantee of coverage for a particular business.)

Full page: [Embroker Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/embroker/product-liability).

### 4. Berkshire Hathaway Specialty Insurance

Reliability Score basis: Carrier & MGA Reliability Score · Assessed 2026-09-29 · Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator….

- BHSI identifies manufacturers and distributors, including discontinued-products/IBNR exposures, as products-liability targets. [11](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: Selected US products/completed-operations risks. Material limitation: A target class is not a guarantee of eligibility; discontinued-product exposure has distinct underwriting.)

Full page: [Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/product-liability).

### 5. Harper

Reliability Score basis: Broker Reliability Score · Assessed 2026-09-29 · Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial….

- Harper says the line is for makers, importers and sellers of physical products, and that importers, distributors and retailers can be named in a product claim even when they didn't manufacture the item. [12](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Company-reported; scope: Product liability page introduction and FAQ answer on non-manufacturer exposure.)

Full page: [Harper Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/harper/product-liability).

### 6. Alliance Risk

Reliability Score basis: Broker Reliability Score · Assessed 2026-09-22 · Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National….

- Alliance Risk's product liability page frames this coverage for manufacturers, distributors and retailers facing lawsuits over defective or harmful products they made, sold or distributed. [13](https://joinalliancerisk.com/product-liability-insurance/ "Product Liability Insurance for Manufacturers: Cost & Limits") (Evidence: Company-reported; scope: Dedicated Alliance Risk product page for this line, as read on 2026-09-23. This is a general description of who needs the coverage type, not an eligibility criterion Alliance Risk applies to applicants.)

Full page: [Alliance Risk Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/alliance-risk/product-liability).

### 7. Relm Insurance

- Relm calls the coverage essential for any business that manufactures, distributes or sells physical products, and specifically flags cannabis (unexpected THC potency) and biotech (faulty medical devices, clinical trial risk) as high-exposure examples. [14](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page framing; not a guarantee of eligibility for a particular company.)

Full page: [Relm Insurance Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/relm/product-liability).

## How We Ranked Product Liability Insurance Providers for Manufacturers

Spot lists a provider only when its published Product Liability Insurance information includes a documented claim (verified or company-reported) about eligibility, role, coverage or application that mentions manufacturers. “Named for Manufacturers” marks a provider’s own statement of who it serves; “Related mention” marks a role, coverage or application claim.

Providers with both a Reliability Score and a Review Score rank first, then providers with one of the two, then providers with neither. Within each group the order is the equal-weight average of the scores the provider has, as in the industry guides; ties break on fit, then the number of documented claims, then name.

The Reliability Score comes from Spot’s reliability assessments and the Review Score from the provider’s rated review sources. Neither measures whether a policy fits your business or what it costs.

Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy).

## What Do Manufacturers Need From Product Liability Insurance?

Your customers set a floor. The Insurance Information Institute says a retailer may not sell your product unless you have product liability coverage, and that financial backers may require it too. Walmart's supplier requirements, for example, call for commercial general liability including products and completed operations, product liability limits tiered by product category, Walmart named as additional insured, and prefer occurrence-based policies; if a policy is claims-made, they add conditions on the retroactive date and an extended reporting option. Those terms are Walmart's, not an industry standard. [1](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [4](https://corporate.walmart.com/content/dam/corporate/documents/suppliers/requirements/insurance-requirements.pdf "Insurance Requirements (dated February 18, 2025)")

Distributors and retailers may ask to be covered under your policy. ISO's vendors endorsement makes a named vendor an insured for bodily injury or property damage arising out of your scheduled products, but it excludes the vendor's sole negligence, repackaging and physical or chemical changes it makes, and the most paid is the contract's required amount or your limit, whichever is less. It does not increase your limits. [3](https://www.iiat.org/uploads/files/general/InfoCentral/Commercial-GL/cg2015.pdf "Additional Insured - Vendors (CG 20 15 04 13)")

Describe your actual role. The Insurance Information Institute says you may be liable in a product lawsuit even if your role is limited: you might supply a single small part of a larger product, your design might be safe but a contract manufacturer produces a flawed unit, or you might only repackage and distribute products made elsewhere. Say which of these you are when you apply. [1](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance")

## Which Product Liability Exposures Do Manufacturers Face?

Product claims usually run through the general liability form. The Insurance Information Institute says product liability coverage can be added to a general liability policy or bought as a stand-alone policy. In ISO's specimen, the products-completed operations hazard includes injury and damage away from premises you own or rent that arises out of your product, and it has its own aggregate limit, separate from the general aggregate. A bad product year can use up that aggregate while the general aggregate sits untouched. [1](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [2](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form (CG 00 01 12 07)")

Recall costs fall outside the policy. The specimen excludes losses, costs or expenses incurred by you or others for the withdrawal, recall, inspection, repair, replacement, removal or disposal of your product when it is withdrawn or recalled because of a known or suspected defect. The Insurance Information Institute treats recall as separate cover for costs such as advertising to launch the recall, shipping to collect products and product destruction, and California's insurance department lists sistership liability, where a maker fails to withdraw a product a regulator or the company ordered recalled, among exclusions. [1](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [2](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form (CG 00 01 12 07)") [5](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

Component makers face a gap. The specimen excludes property damage to impaired property, which includes tangible property that cannot be used or is less useful because it incorporates your product known or thought to be defective and that could be restored by repairing, replacing, adjusting or removing your product, when nothing was physically injured. The exclusion does not apply to loss of use of other property arising out of sudden and accidental physical injury to your product after it has been put to its intended use. [2](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form (CG 00 01 12 07)")

Your labels and instructions are part of your product. The specimen's definition of your product includes containers, warranties and representations about fitness, quality, durability or performance, and the providing of, or failure to provide, warnings or instructions. The Insurance Information Institute says that if instructions, warnings or promotions lead to misuse resulting in injury or damage, your company could be found liable. [1](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [2](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form (CG 00 01 12 07)")

## What Should Manufacturers Check Before Buying Product Liability Insurance?

Ask what happens to products you stop making. In the specimen, the policy that responds is the one in force when the injury or damage occurs. One carrier's flyer says an occurrence policy protects you from product failures only while it is still in force, and describes discontinued products coverage for claims occurring after general liability coverage ends because a business ceases operations or a product line is discontinued. Ask whether you can buy it and how long it runs. [2](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form (CG 00 01 12 07)") [6](https://assets.thehartford.com/image/upload/cls_discontinued_products_coverage_flyer.pdf "Discontinued products coverage (flyer, July 2025)")

Match endorsements to your buyers. List every distributor or retailer whose contract asks for additional insured status, and ask whether your quote includes a vendors endorsement and for which vendors. Walmart accepts additional insured status or equivalent wording, so ask your buyer what form it expects. [3](https://www.iiat.org/uploads/files/general/InfoCentral/Commercial-GL/cg2015.pdf "Additional Insured - Vendors (CG 20 15 04 13)") [4](https://corporate.walmart.com/content/dam/corporate/documents/suppliers/requirements/insurance-requirements.pdf "Insurance Requirements (dated February 18, 2025)")

Get a recall quote separately. The Insurance Information Institute says recall coverage can be added or purchased separately. Ask which costs it pays, what triggers it and whether it needs a government order, because the general liability specimen pays none of them. [1](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [2](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form (CG 00 01 12 07)")

Know your regulator's clock. The CPSC says manufacturers, importers, distributors and retailers of consumer products must notify it within 24 hours of obtaining reportable information (a company unsure whether information is reportable can take a reasonable time to investigate, which should normally not exceed 10 working days), and lists insurance claims or payments and product liability lawsuits among the information a company should review. That is a regulatory duty for consumer products, not a policy term, so also read your policy's notice conditions. [7](https://www.cpsc.gov/s3fs-public/RecallHandbookFINAL9_2technicalrevision_3052025.pdf "Product Safety Planning, Reporting, and Recall Handbook")

## What Do Manufacturers Ask About Product Liability Insurance?

### Does Product Liability Insurance Cover Recalls for Manufacturers?

Not the recall itself. ISO's general liability specimen excludes the cost of withdrawing, recalling, inspecting, repairing, replacing or disposing of your product, and the Insurance Information Institute describes recall coverage as separate or an add-on. [1](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [2](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form (CG 00 01 12 07)")

### Do Manufacturers Need Product Liability Insurance?

Often because a buyer requires it. The Insurance Information Institute says a retailer may not sell your product without product liability coverage, and Walmart's supplier requirements specify product liability limits by product category. We did not find a general legal requirement; check each customer contract. [1](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [4](https://corporate.walmart.com/content/dam/corporate/documents/suppliers/requirements/insurance-requirements.pdf "Insurance Requirements (dated February 18, 2025)")

### Does Product Liability Cover Products Manufacturers No Longer Make?

Only if a policy is in force when the injury occurs. In ISO's occurrence specimen the injury must occur during the policy period; one carrier says discontinued products coverage exists for claims after general liability coverage ends because a business ceases operations or discontinues a product line. [2](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form (CG 00 01 12 07)") [6](https://assets.thehartford.com/image/upload/cls_discontinued_products_coverage_flyer.pdf "Discontinued products coverage (flyer, July 2025)")

### Must Manufacturers Name Retailers as Additional Insureds?

When the supplier contract requires it. Walmart requires its name as additional insured or equivalent, and ISO's vendors endorsement is one way to provide it, with exclusions for the vendor's sole negligence and repackaging. [3](https://www.iiat.org/uploads/files/general/InfoCentral/Commercial-GL/cg2015.pdf "Additional Insured - Vendors (CG 20 15 04 13)") [4](https://corporate.walmart.com/content/dam/corporate/documents/suppliers/requirements/insurance-requirements.pdf "Insurance Requirements (dated February 18, 2025)")

### Does Product Liability Cover Manufacturers When a Customer's Product Is Unusable Because of Their Component?

Possibly not. ISO's specimen excludes property damage to impaired property that cannot be used or is less useful because it incorporates your product known or thought to be defective, unless it arises from sudden and accidental physical injury to your product after use began. [2](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form (CG 00 01 12 07)")

## Related Reading

- [Best Commercial Property Insurance for Manufacturers](https://thegeneralaverage.com/best/commercial-property/manufacturers)
- [Manufacturing and Robotics Insurance Guide](https://thegeneralaverage.com/industries/manufacturing-and-robotics)
- [Coverage Guide: Product Liability Insurance](https://thegeneralaverage.com/coverage/product-liability)
- [All Best Product Liability Insurance Pages](https://thegeneralaverage.com/best/product-liability)

## Sources

1. [Product liability, recall and contamination insurance](https://www.iii.org/article/product-liability-recall-and-contamination-insurance). Insurance Information Institute; Opening; What could go wrong?; Covering the costs of a product recall. Accessed 2026-10-01.
2. [Commercial General Liability Coverage Form (CG 00 01 12 07)](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; Coverage A 1.b(2), p.1; exclusions m and n, p.5; Section III 2-3, p.10; Section V definitions 8, 16 and 21, pp.13-16. Accessed 2026-10-01.
3. [Additional Insured - Vendors (CG 20 15 04 13)](https://www.iiat.org/uploads/files/general/InfoCentral/Commercial-GL/cg2015.pdf). ISO; specimen hosted by Independent Insurance Agents of Texas; A who is an insured; B exclusions (sole negligence, repackaging, changes); C limits. Accessed 2026-10-01.
4. [Insurance Requirements (dated February 18, 2025)](https://corporate.walmart.com/content/dam/corporate/documents/suppliers/requirements/insurance-requirements.pdf). Walmart Inc.; Required coverages; certificate and additional insured requirements; Matrix of Product Liability Limits; claims-made conditions (one retailer's terms). Accessed 2026-10-01.
5. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Glossary: Sistership Liability (Form 700 revised June 14, 2024). Accessed 2026-10-01.
6. [Discontinued products coverage (flyer, July 2025)](https://assets.thehartford.com/image/upload/cls_discontinued_products_coverage_flyer.pdf). The Hartford; Page 1: introduction and what is typically offered (carrier's marketing statements). Accessed 2026-10-01.
7. [Product Safety Planning, Reporting, and Recall Handbook](https://www.cpsc.gov/s3fs-public/RecallHandbookFINAL9_2technicalrevision_3052025.pdf). U.S. Consumer Product Safety Commission; I.A Section 15 Reports: what to report and when to report. Accessed 2026-10-01.
8. [Product Liability Insurance](https://foundershield.com/coverage/product-liability-insurance/). Founder Shield. Accessed 2026-09-23.
9. [Product Liability Insurance](https://www.coverdash.com/coverage/products-liability). Coverdash. Accessed 2026-09-23.
10. [Product Liability Insurance: Coverage & Quotes](https://www.embroker.com/coverage/product-liability-insurance/). Embroker. Accessed 2026-09-23.
11. [Casualty](https://www.bhspecialty.com/us-products/us-casualty/). Berkshire Hathaway Specialty Insurance. Accessed 2026-09-28.
12. [Product Liability Insurance](https://www.harperinsure.com/coverages/product-liability). Harper. Accessed 2026-09-23.
13. [Product Liability Insurance for Manufacturers: Cost & Limits](https://joinalliancerisk.com/product-liability-insurance/). Alliance Risk. Accessed 2026-09-23.
14. [Casualty Insurance](https://relminsurance.com/lines-of-business/casualty-insurance/). Relm Insurance. Accessed 2026-09-23.

## How to Cite This Page

Best Product Liability Insurance for Manufacturers (2026). The General Average, updated 2026-10-01. https://thegeneralaverage.com/best/product-liability/manufacturers. Quote a provider’s claim with its numbered source.

Updated 2026-10-01.

## Agent and Developer Resources

- [Markdown page](https://thegeneralaverage.com/best/product-liability/manufacturers.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://thegeneralaverage.com/llms.txt)