If a product you make, sell, or distribute injures someone or damages their property, your business is on the hook. Product liability insurance covers the claims and legal costs that follow.
Product liability insurance protects businesses from financial loss when their products cause harm to consumers or other end users.
Covers claims that a product's design is inherently dangerous or defective.
Covers claims that a product was improperly manufactured, even if the design is fine.
Covers claims that you failed to provide adequate warnings or instructions about product risks.
Covers medical bills, pain and suffering, and other damages when a product injures someone.
Covers damage that your product causes to someone else's property.
Pays for attorneys, expert witnesses, and court costs — even for frivolous product claims.
Every link in the product supply chain faces liability — from manufacturer to distributor to retailer.
Basic product liability is usually included under GL's 'products and completed operations' coverage. However, businesses with significant product risk may need higher limits or a standalone product liability policy.
Costs vary enormously based on product type, sales volume, and risk. Low-risk consumer products might add $500–$1,500/year to your GL. High-risk products like supplements or electronics can cost significantly more.
Yes. Under Utah law, retailers can be held liable for product defects even if they didn't manufacture the product. Product liability applies to everyone in the distribution chain.
Standard product liability covers injury claims. Product recall coverage — which pays for the cost of actually recalling products — is a separate coverage that can be added.
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