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Product liability insurance

Providing your business with support if you are held liable for injury, illness or damage caused by a defective product.

What is product liability insurance?

Product liability insurance is commonly sold together with public liability cover – it helps to protect you in the event that you are deemed liable for a product fault that negatively impacts those that use it.

Whether you manufacture something that goes directly to your customer(s), or something that is incorporated into another item’s production, product liability insurance will help to cover the related costs to your business, should a legal claim be made against you.

Why is product liability insurance important?

Regardless of how much time and effort goes into making your product as perfect as possible, mistakes, accidents and oversights can happen at any point throughout the production process. Should these cause serious, negative implications for the end user - and should it be deemed to be your business’ fault - a legal claim could be made against you by the aggrieved party or parties.

Without product liability insurance cover, this may result in:

  • Costly legal fees
  • Considerable damages payments
  • Reputational damage and loss of business

We see ourselves more as your insurance partner, rather than just an insurance broker

We know that getting good advice is about far more than supplying quotes and managing renewals. At NFP, we look to understand your business and your goals, uncover your risks, and solve your problems as a trusted partner, rather than just place products with you. As your insurance partner, our goal is to ensure...

Your insurance programme is suitable for you

There are no gaps in your cover

You are paying the right level of cover

You get the support you need, should a claim occur

Who do we support with product liability insurance?

This type of insurance is designed to offer extra liability cover for businesses that are involved in the design, production, manufacture, repair, alteration or supply of a product.


Maybe you manufacture and supply components to aid the production of mobile phone chargers. If the chargers start causing electrical fires and your component is found be the root cause, your business could be held legally liable for any loss, damage or harm caused by the malfunction. As an SME, being in this situation without cover and support could spell disaster for your business.

Large corporations

As a larger business, the items you produce could be exposed to a much wider consumer base. A defect in one of your products could therefore affect many more people, leading to more claims made against you and potentially more financial and reputational consequences as a result. That’s why it’s so important to have a partner like NFP, so you can proactively put cover in place to soften the blow, should the worst happen.

Request a call back from one of our commercial insurance specialists

To discuss your requirements, fill out the form below and we will be in touch.