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If your company provides any products to the consuming public, which could cause damage to a person or property, then you should seriously consider Product Liability insurance.
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Employers Liability Insurance | If one of your employees sustains an injury from falling debris, this insurance is there to cover their claim. |
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Property Insurance | Cover for property for insured events such as fire, lightning, flood, or loss. |
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Directors & Officers Liability Insurance | To cover legal defence costs and compensation awards, if you are personally sued as a result of company business. |
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Motor Insurance | If your business owns a car and uses it for commercial purposes, you'll need Commercial Car Insurance. |
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Professional Indemnity | Protect your business against claims by a client for loss or damage if you are negligent or make a mistake. |
A properly structured Product Liability Insurance policy protects you against safety claims, manufacturing quality defects, spoilage costs, legal defence costs and medical costs
What's Your Business?
Which Insurance?
Product Liability Insurance
Do I need Product Liability Insurance?
If your company provides any products to the consuming public, which could - even in very rare cases - cause damage to a person or property, then you should seriously consider Product Liability insurance.
What is Product Liability Insurance?
A properly structured Product Liability Insurance policy protects you against safety claims, manufacturing quality defects, spoilage costs, legal defence costs and medical costs. Bear in mind, though, that it will not protect your company against claims for the supply of poor quality products or poor services, so you should ensure you have rigorous quality control systems in place to ensure your products meet certain standards.
How much does it cost?
The premiums on Product Liability Insurance are based upon the type of product, volume of sales, and the role of the insured in the process. A quality control system that ensures your products are safe, fit for purpose and meet required industry standards will cut the cost of your premiums. This demonstrates that you are taking responsibility for your business operations seriously, in addition to having insurance in place.