Frequently Asked Questions
Does my business need product liability insurance?
Here are some specific businesses that are more likely to need product liability insurance:
Manufacturers of any product, including toys, furniture, appliances, and food.
Distributors and wholesalers of products.
Retailers of products, especially those that are considered high-risk, such as electronics, toys, and sporting goods.
Service businesses that repair or modify products, such as mechanics and plumbers.
Businesses that sell products online.
Talk to one of our experienced commercial insurance agents to find out more. There are other types of businesses that may need product liability. For example, a coffee shop that sells hot coffee might need liability if a customer was burned.
How much will product liability insurance cost?
The amount of product liability insurance you need will depend on the size of your business, the types of products you sell, and the risks involved.
An experienced agent will help you determine the right amount of coverage.
What are some examples of product liability cases?
Defective design: This is a product liability case where the product itself is inherently dangerous due to its design. For example, a toy with sharp edges that can cut a child's skin would be considered a defective design.
Manufacturing defect: This is a product liability case where the product is defective due to a mistake made during the manufacturing process. For example, a car with a faulty brake that causes an accident would be considered a manufacturing defect.
Failure to warn: This is a product liability case where the manufacturer fails to warn consumers about the dangers of the product. For example, a drug company that fails to warn consumers about the side effects of a medication would be liable for any injuries caused by the medication.
Misrepresentation: This is a product liability case where the manufacturer makes false or misleading statements about the product. For example, a car dealer that claims a car is "safe" when it is actually known to be defective would be liable for any injuries caused by the car.