← Back to Home
Solution
Product Liability Insurance
Covers claims alleging that your product caused bodily injury, property damage, or financial loss to a third party.
What is Product Liability?
If your company manufactures, distributes, or sells physical products, product liability insurance protects against claims that your product was defective, dangerous, or caused harm. This includes design defects, manufacturing defects, and failure-to-warn claims.
For hardware companies, drone manufacturers, and IoT device makers, product liability is essential — and the intersection of physical products with embedded software creates coverage complexities that require specialty market access.
Industries that need product liability coverage
Get Product Liability Quotes →
Frequently Asked
Common questions
What does product liability insurance cover?
+
Product liability covers claims that your product caused bodily injury or property damage — including design defects, manufacturing defects, and failure-to-warn claims — together with legal defense costs.
Who needs product liability coverage?
+
Any company that manufactures, distributes, imports, or sells physical products. Hardware startups, drone makers, and IoT device companies face added complexity where embedded software meets a physical product.
Does product liability insurance cover recalls?
+
Standard product liability does not automatically cover recall expenses. We can add product recall coverage for the cost of retrieving, replacing, or disposing of a defective product.
How is product liability different from general liability?
+
Product liability — products and completed operations — responds to harm caused by products you have sold. General liability covers broader premises and operations exposures. They are frequently written together.
Can't find an answer to your questions? Reach out to our team →