What Does Product Liability Insurance Cover?
Answers about product liability insurance for injury and damage claims caused by products you make, import or sell.
What Are the Basics of Product Liability Insurance?
What Is Product Liability Insurance?
It protects manufacturers, distributors, and sellers against covered claims that their products injured someone or damaged property.
What Is Covered Under Product Liability Insurance?
Does General Liability Include Product Liability?
CGL often includes products-completed-operations coverage, but product restrictions and limits may leave specific sellers exposed.
Does Product Liability Cover Amazon Sellers?
Possibly, if the policy insures your products and meets Amazon’s current requirements; platform documentation does not guarantee product coverage.
Does Product Liability Cover Defective Products?
Potentially, for covered third-party injury or property damage caused by a defect; the product’s repair or replacement usually is not covered.
Does Product Liability Cover Design Defects?
Potentially, for covered injury or property damage caused by an alleged design defect; redesign and recall costs are separate.
Does Product Liability Cover Ecommerce?
Online sales may be covered when the policy insures each product, entity, and distribution role.
Does Product Liability Cover Imported Products?
Yes, if the policy covers the importing entity and products, and the claim fits its territory and terms.
Does Product Liability Cover Legal Fees?
Often, for defense of a covered CGL suit; pre-claim advice and regulatory responses may fall outside the duty to defend.
Does Product Liability Cover Manufacturing Defects?
Potentially, for covered injury or property damage caused by a manufacturing flaw; fixing defective units is a separate cost.
Does Product Liability Cover Product Recall?
Product-liability coverage may address customer injury claims; recall and withdrawal expenses usually require separate coverage.
Does Product Liability Cover Products Manufactured Overseas?
An overseas-made product can be covered when the policy insures the product, importer, and relevant territory.
Does Product Liability Cover Warning Defects?
Product-liability coverage may defend a claim that an inadequate warning caused injury, subject to the policy’s wording.
What Does Product Liability Insurance Cover?
Product-liability coverage may defend claims that a product caused bodily injury or damaged someone else’s property.
Who Needs Product Liability Insurance?
Who Needs Product Liability Insurance?
Businesses that design, make, import, distribute, or sell products face product-claim exposure and should assess coverage.
How Does Product Liability Insurance Compare With Other Coverage?
Product Liability vs. General Liability: What’s the Difference?
Product-liability coverage addresses claims tied to products; CGL also covers premises and other third-party risks.
Product Liability vs. Product Recall Insurance: What’s the Difference?
Product liability covers third-party injury or damage claims; product-recall coverage may pay the business’s own withdrawal and response costs.
How Much Does Product Liability Insurance Cost?
How Much Does Product Liability Insurance Cost?
There is no standard product-liability price; premiums depend on the products, operations, limits, and terms quoted.
How Do You Buy Product Liability Insurance?
Product Liability Insurance for Amazon Sellers: What Should You Check?
Product-liability insurance may cover listed products sold through Amazon, while Amazon separately sets proof-of-insurance requirements.
Product Liability Insurance for Ecommerce: What Should You Check?
Ecommerce product coverage depends on the products, sales channels, business entities, and territories listed in the policy.
Product Liability Insurance for Manufacturers: What Should You Check?
Manufacturers can obtain product-liability coverage for specified injury claims, subject to their listed products, operations, and limits.
Coverage Guides Related to Product Liability Insurance
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