Products and supply chains
Describe ingredients or components, intended users, labels, quality controls and sales territories. Supplying another business does not remove the need to review your own position.
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Products Liability Insurance
Products liability focuses on third-party injury or property damage allegedly caused by goods you manufacture, import, distribute or sell. Your place in the supply chain and where the products are used shape the review.
Who it is for
Manufacturers, importers, wholesalers, distributors and retailers supplying goods.
Explore the cover
These are areas to discuss, not an automatic inclusion list. Available sections and cover depend on the selected wording and schedule.
Claims and defence
The wording determines which injury or property-damage claims and associated defence costs are covered. Review limits and geographical or jurisdictional restrictions alongside your export activities.
Recall and replacement are different
The cost of withdrawing, replacing or repairing your own product is not the same as liability for harm it caused. Discuss recall or contamination separately where relevant.
Information for quotations
Describe goods and uses, sourcing countries, sales territories, turnover, your supply-chain role, quality controls, instructions and previous product concerns.
Limitations and exclusions to discuss
Distinguish third-party injury or damage from replacing defective goods, recall costs or professional design. Check product descriptions, territorial terms, exclusions and limits.
Frequently asked questions
Does Products Liability include the cost of recalling stock?
Do not assume it does. Recall and liability claims are different enquiries; selected wording and any separate recall arrangement need review.
Does buying goods from a manufacturer settle our own position?
No. Your role as importer, distributor or retailer, and the way you supply or alter the goods, still need to be described.
Talk through your business.
Tell us what you do, what is changing and what you would like to understand. We can help organise the questions and the information needed for a meaningful insurance discussion.