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Products Liability Insurance

Products Liability Insurance for manufacturers, retailers, online retail, wholesalers, distributors, and import or export including from China and Far East

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Products Liability Cover

Product Liability Insurance provides cover for compensation claims costs and expenses for injury or property damage claims caused by a product you are responsible for.

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What does Product Liability Insurance cover?

Product Liability insurance covers the legal fees and compensation costs if someone makes a claim against you for a faulty product you have supplied them, designed or manufactured. Faulty products may cause damage to property, injury or death.

For example, you sell an electrical item which starts a house fire, destroying someone’s living room. Alternatively, you distribute a beauty product that a customer claims caused a dangerous allergic reaction.

In these situations, it is usually the manufacturer that is found to be liable for a faulty product. However, there are other circumstances where you may be required to pay compensation. As such, you should take the necessary precautions. For instance, your business rebranded, repaired or refurbished the product. Or, most importantly, if the original manufacturer cannot be traced or has gone out of business.

Compare Products Liability Insurance

In many instances, you can purchase Products Liability Insurance alongside your Public Liability Insurance under a single insurance policy. However, for risks with greater exposure, a standalone product policy can be advantageous.

At Insync, we can access several unique insurance schemes that specifically cater to all types of product-led risks. From electronic devices, vapes and e-cigarettes, to food and beverages, we can ensure your business is protected.

Our team of expert insurance advisors will make it their business to help you understand your risk and compare quotations from up to 10 of the UK’s leading insurers.

Why choose insync for Products Liability insurance?

In today’s digital world, business has evolved. So, why hasn’t your insurance broker?

We’re one of the UK’s fastest-growing insurance providers, offering exclusive schemes and facilities for Beauty Professionals throughout the UK.

Say goodbye to one-size-fits-all business policies that have you paying for extras you don’t need. Farewell to the slow, outdated and inefficient way business insurance is traditionally arranged!

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Products Liability Insurance

  • Cover for all types of businesses including manufacturers, retailers, online retail, wholesalers, distributors and import or export agents
  • Full cover up to 100% exports to USA and/or Canada
  • Full cover for imports from China and/or the Far East
  • All trades and industries including children’s products, electronics and adult goods
  • Up to £10,000,000 limit of indemnity (higher limits available on request)
  • Protection from financial loss and reputational damage
  • Option to include public and/or employers’ liability

Insync for Products Liability Insurance

  • We compare prices and cover from our panel of leading products’ insurers
  • Instant quotations – cover and policy documents in minutes
  • Flexible cover and monthly payments – just pay for the sections you need
  • Expert advice from Public and Products Liability Insurance specialists
  • Basic cover available as standard with your Public Liability Insurance as standard
  • Personal – Digital servicing AND your own dedicated insurance professional

Products Liability Insurance

  • Cover for all types of businesses including manufacturers, retailers, online retail, wholesalers, distributors and import or export agents
  • Full cover up to 100% of exports to the USA or Canada
  • Full cover for imports from China and/or the Far East
  • All trades and industries including children’s products, electronics and adult goods
  • Up to £10,000,000 limit of indemnity (higher limits available on request)
  • Protection from financial loss and reputational damage
  • Option to include public and/or employers’ liability

Insync for Products Liability Insurance

  • We compare prices and cover from our panel of leading products insurers
  • Instant quotations – cover and policy documents in minutes
  • Flexible cover and monthly payments – just pay for the sections you need
  • Expert advice from Public and Products Liability Insurance specialists
  • Basic cover available as standard with your Public Liability Insurance as standard
  • Personal – Digital servicing AND your own dedicated insurance professional
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Insync was founded on the belief that looking after our Customers is our absolute priority.

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The agent made it very easy and efficient setting up my comprehensive insurance.

She was pleasant, polite and reassuring for a new customer like myself.

I would want her representing my company for sure.
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Friendly, professional and reliable. Quick response and very knowledgeable.

Great customer service all round, with services and insurance covers that will give you peace of mind.

I highly recommend them.
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Amazing service. They kept in contact and made sure I completed everything.

Very lovely man, nice and chatty made me feel comfortable would recommend.
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Exclusive FREE Benefits for all customers

At Insync, we are dedicated to delivering to our customers not only superb prices but a satisfying customer experience.

As a thank you for joining us, our customers can enjoy access to our exclusive benefits platform, Insync Benefits.

This is entirely free to our customers. Our Insync Benefits platform provides you with discounts and offers from some of the biggest high street brands.

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Frequently
Asked Product Liability Insurance
Questions

We have prepared a list of the questions we are regularly asked by customers before and after buying a policy.

If you need further help, we are always happy to offer advice.

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If you are a manufacturer, your Product Liability premium will likely be higher than a retailer or distributor as the risk is much higher. With this in mind, many suppliers will check that you have adequate Product Liability Insurance in place before buying products from you. If this is the case, you may have a contractual obligation to have a minimum level of indemnity.

Give your partners peace of mind when carrying out business with you by making sure you are covered for all eventualities with a thorough Product Liability policy.

If you are a small business selling your own products, you still need to consider your worst-case scenario to protect your business fully. Fortunately, at Insync we will be able to arrange cover for your business no matter the size.

If a product fault causes property damage, personal injury or even death, under the Consumer Protection Act, manufacturers, designers, distributors, suppliers and retailers could all be held accountable. Therefore, it’s vital that before doing business with someone, you ensure that they have adequate cover in place. You should also check that they have carried out the relevant safety checks and quality control measures.

Each case is unique and who is liable will depend on independent factors. Even if you are not found to be liable at the end, you could still end up paying legal costs in your own defence.

While Product Liability is not a legal requirement, many would call it an essential purchase for any business that supplies, manufactures, distributes, wholesales or retails any products or goods.

Even if you are not manufacturing the products, in the event of a claim anyone in the supply chain can be brought into a legal dispute. Even if you are not the party at fault.

For most businesses, it would be wise to purchase a combined liability policy. This is where you buy product liability insurance alongside your public liability insurance. For some businesses who may not necessarily be selling products, there is still a certain amount of risk involved in branded merchandise like stationery, USB drives, teddies etc. and any other physical product that you may hand out to clients. This also applies to free samples.

Even if someone is not paying for the product you supply, you may still be held liable for any injury or damage caused. If you give out free samples or welcome gifts to your customers, a basic Product Liability policy is recommended. At Insync, Product Liability comes as standard as part of your Public Liability policy. Be sure to let our team know what products you are giving away when discussing your policy. Examples of this may include:

  • Hotels giving gifts to their guests
  • Salons giving free samples to their clients
  • A business giving away branded merchandise for promotional purposes

Your Product Liability cover only applies to faults that your quality control system could not identify. If you’re the manufacturer, it does not excuse poor workmanship and is not a get-out-of-jail-free card. If you knowingly supply a hazardous product or do not run the necessary product safety checks, you likely will not be covered.

You may also find yourself liable if you have supplied a product without adequate safety instructions. In this case, this would be another example of not meeting the standard of duty of care to your customers, and you may find yourself uninsured if someone takes legal action.

As with other types of business insurance, when purchasing your product liability cover, you will need to think about the future. Even if you close your business, a compensation claim can be made anytime within three years of using a product. In some cases, a claim might be valid even years after that. Consider how far in the future a claim might come in, and we can help you plan for that.