Products Liability Insurance
Essential cover for all business types. Compare quotes from leading insurers with instant cover. Quick | Easy | BRISCO
Compare Quoteswhy you need Products Liability Insurance
Although you’ll do everything in your power to ensure the products you sell are of the highest quality and are as safe as possible, accidents can happen. If your customers are harmed in any way by your product, you may be held accountable which is why a good insurance policy will be vital.
There are many things which can go wrong. Food can cause illness, a faulty product may also cause injury or financial loss to a customer. Whilst you may not have manufactured the faulty product, your customer will often come to you first in the event of a problem. If that happens, they may claim compensation against your company. For this reason, products liability insurance should be regarded as one of the most essential covers available.
Compare quotes with Brisco Business now and find a policy with covers to meet your needs.
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Do I need products liability insurance?
Yes. As a business, you need several different types of liability insurance policies to protect you against a number of different risks. Your products represent a risk. Although you will be careful to maintain the highest standards of quality and safety, accidents can happen. If your product harms your customers in some way you will have to pay compensation. This is, then, not something you can do without.
I have public liability insurance. Won’t this be covered?
Unfortunately not. Public liability insurance only protects against injuries to the public when they are on your property. You will still need to be insured against problems specifically caused by your products.
How much does product liability insurance cost?
Prices vary depending on individual insurance companies, the value of your products, size of company and type of business. Ultimately it is an issue of risk. Your insurance company will look at your business and try to decide how much of a risk you present. It will then come up with a premium it feels is appropriate. You may be able to reduce your premium by comparing a number of quotes. This helps you find the best cover at the best price. At Brisco Business, our quote tool allows you to compare multiple quotes from multiple insurers and choose the policy that best meets your needs.
What does products liability insurance cover?
This policy covers your business if any of its products causes personal injury or property damage to a customer. For example, if a salon company sells a customer a faulty hair product that later harms them, they may seek compensation from that business. If a similar situation arose involving your own company, the financial repercussions could be dire. By having products liability insurance in place, however, your insurer will cover the compensation costs on your behalf.
