What it covers
ClaimsThird-party injury or property damage claims linked to products you supply (policy dependent).
Product liability insurance helps protect your business if a product you make, sell, import, or supply causes injury or property damage. It’s especially relevant for UK retailers, ecommerce sellers, importers, manufacturers, and brands.
Product liability insurance is designed to help protect your business if a product you’ve supplied causes injury or property damage and a claim is made against you. This can include products you manufactured, branded, imported, wholesaled, or sold online.
Third-party injury or property damage claims linked to products you supply (policy dependent).
Retailers, ecommerce sellers, manufacturers, importers, makers, and wholesalers.
You can be held responsible even if you didn’t manufacture the product (especially if you import or brand it).
If you place physical products into the supply chain — even via ecommerce — product liability is worth considering. It’s also commonly requested by retailers, distributors, and marketplaces.
If you sell on your site or marketplaces, you may still be responsible if a product causes harm.
Importers often take on liability if a manufacturer can’t be pursued or isn’t in the UK.
If you make or brand products, claims can relate to materials, design, or production issues.
Start with a quick check, then compare quotes from top providers and get a quote when you’re ready — especially if you sell online, import goods, or supply retailers.
Exact cover depends on your policy, but these examples show the types of situations product liability is designed for.
A product fails during normal use and causes injury or damage to someone’s property.
A customer says instructions or warnings weren’t clear and claims they were harmed as a result.
A product triggers an unexpected reaction and a claim is made against the seller/brand.
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Many businesses combine product liability with other covers depending on how they operate.
For injury/property damage claims linked to your business activities.
For claims that your advice/services caused financial loss.
Often needed if you employ staff or certain labour-only arrangements apply.