Products and completed operations
Injury and damage caused by products after they leave you.
Business Insurance
Product liability for what you put on the market.
Everyone in the chain can be named — maker, importer, distributor and the shop that sold it. Being the last link is not a defence.
Product liability responds when something you made, imported, distributed or sold causes injury or damage. It sits within general liability as products and completed operations, and it follows the product long after it has left your control.
Importers, private label and the chain of liability
A claimant can pursue any party in the supply chain. Where the manufacturer is overseas and effectively out of reach, the importer or private label brand becomes the practical defendant — which is why importing raises the exposure so sharply.
Contracts between suppliers and retailers routinely include indemnities, additional insured requirements and vendors endorsements. Those shift risk deliberately, and the insurance needs to match what has actually been agreed.
What it covers
The parts of a product liability insurance policy
Legal defence
Defence costs, which in a contested product claim dominate the spend.
Vendors endorsement
Extending your cover to retailers and distributors who require it.
Recall
The separate cover for retrieving product from the market.
Working with us
What we do differently
We are an independent agency, so we place your product liability insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Importers should assume they are the practical defendant, not the overseas maker
- Match limits and endorsements to what supply contracts require
- Keep batch, testing and supplier records — they are your defence
Common questions
Product Liability Insurance, answered
I only sell products, I do not make them. Am I liable?
You can be. Claimants can pursue any party in the chain, and where the manufacturer is overseas the importer or retailer often becomes the practical defendant.
Is product liability separate from general liability?
It usually sits within general liability as products and completed operations. What matters is confirming it is present at a meaningful limit rather than assuming it.
What is a vendors endorsement?
It extends your products cover to retailers and distributors selling your product. Larger retail customers frequently require it as a condition of stocking you.
Related cover
Often arranged alongside this
Manufacturers Insurance
A production line stopping costs more per day than most of the equipment on it. That is where the cover has to be strongest.
Read moreE-Commerce Insurance
No shop floor, but real stock, real products and a website that is the entire business when it goes down.
Read moreWholesale and Distribution Insurance
Stock sitting in a warehouse, stock on a truck, and stock at a customer awaiting acceptance. Each is covered by something different.
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