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Product Liability

Product Liability Insurance

What is Product Liability Insurance?

Product Liability Insurance protects your business from claims that are made by your customers or clients because of what they experience in your product. Moreover, product liability insurance is a form of liability protection that protects your customers if your product caused harm to them. Furthermore, business owners can be found responsible for the damages if the source of the issue can be traced back to the small business. Additionally, product liability insurance is perfect for businesses that supply products to their customers or to members of the public. This ensures businesses that if something happened, they don’t need to pay any legal or court costs.

Product Liability Insurance
Product Liability Insurance

The following are some of the business that is perfect for Product Liability Insurance.

Any small business that produces and sells a product should have this type of coverage, including:

  • Bakeries
  • Florists
  • Specialty food stores
  • Coffee shops
  • Pet stores

Same as through with business-to-business operation:

  • Software developers
  • Website creators/designers
  • Raw material suppliers
  • Equipment suppliers

How does product liability coverage work?

Product liability insurance isn’t merely a product guarantee or warranty. Moreover, it protects businesses from the fallout that occurs in the event that a product causes injury or other damage to third parties. Additionally, Consumers can be hurt by how a product manufactures, designed, marketed or misused. In addition, even if product usage is incorrect, your business could still be liable for any damage that results. Your business is responsible for making things right. Product liability insurance can help protect you in the event that your business faces a lawsuit.

How Much Does it Cost?

The cost of a this Insurance policy varies based on your industry, your revenue, the products or services you sell, the size of your business, and more. The cost of this insurance will depend on several factors such as:

Location – Insurance companies value insurance dependent on state protection regulations, loss exposure, and one of a kind risks. For example, wildfire exposure.

  • Size of your business
  • Number of products
  • The extent of protection desired or mandated by state-required limits
  • Risk factors such as media costs, shipping, extent of recall costs for both customers and your business, need for lab testing, storage, legal fees, lost gross profit, and refunds
  • Third-party indemnity
  • Need for professional crisis consultant

All businesses that manufacture, package or distribute products for wholesale or retail must have a Product Recall Plan. In addition, think of this type of insurance as your first line of defense should something go wrong with one of your products.


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Company informations

2072 Orchard Dr. Suite A-2
Newport Beach
CA 92660

Contact details

E-mail address:

(844) 234-5600

Available Time: 9am to 5pm Monday to Friday