Broad Manufacturing Appetite
Comprehensive coverage for manufacturers across multiple industries including appliances, electronics, building materials, clothing, food & beverage, and sporting goods.
Products/Completed Operations
ISO Commercial General Liability with complete Products and Completed Operations coverage protecting against claims from defective products and finished work.
Defense Outside Limits
Legal defense costs paid outside policy limits, preserving your coverage for actual damages while providing comprehensive legal protection.
Digital Platform Speed
Fast digital platform processing for quick quotes and binding, with competitive deductibles from $0-$25K and nationwide coverage availability.
Why Product Businesses Need Specialized Coverage
Standard business insurance often provides inadequate products liability protection, leaving manufacturers, distributors, and importers exposed to significant product-related claims.
Basic Business Insurance
- Limited products liability coverage
- Defense costs reduce policy limits
- Restrictive manufacturing appetite
- High deductibles required
- Limited industry expertise
- Basic completed operations coverage
Our Products Liability Coverage
- Comprehensive products liability protection
- Defense outside policy limits
- Broad manufacturing industry appetite
- Flexible $0-$25K deductibles
- Specialized manufacturing expertise
- Full Products/Completed Operations coverage
Products Liability & Manufacturing Insurance Complete Guide
What is Products Liability Insurance?
Products liability insurance provides protection for businesses that manufacture, distribute, import, or sell products against claims for bodily injury or property damage caused by defective or dangerous products. This coverage includes ISO Commercial General Liability with comprehensive Products and Completed Operations protection.
Why Do Product Businesses Need Specialized Coverage?
- Product Defect Claims: Manufacturing defects, design flaws, or inadequate warnings can result in significant liability exposure
- Completed Operations: Liability for work performed or products delivered continues long after the sale or installation
- Multi-Party Claims: Product liability claims often involve multiple parties in the supply chain
- High Damage Potential: Product defects can cause widespread injury or property damage with significant financial exposure
- Regulatory Compliance: Product safety regulations and recall requirements create additional liability exposures
Who Needs Products Liability Insurance?
- Manufacturers: Companies that design, produce, or assemble products for sale
- Distributors: Businesses that distribute products to retailers or end users
- Importers: Companies that import products from overseas manufacturers
- Online Retailers: E-commerce businesses selling products to consumers
- Private Label Sellers: Companies selling products under their own brand names
- Wholesalers: Businesses that sell products to retailers or other distributors
Target Industries Covered
Our broad manufacturing appetite includes appliances and electronics manufacturers, building materials and construction products, clothing and textile companies, food and beverage producers, sporting goods and recreational equipment, tools and hardware manufacturers, and many other product-oriented businesses across diverse industries.
Coverage Features and Limits
Our products liability coverage provides $1M per occurrence / $2M aggregate limits with ISO Commercial General Liability and comprehensive Products/Completed Operations coverage. Defense costs are paid outside policy limits, preserving coverage for actual damages. Flexible deductibles range from $0-$25K with minimum premiums starting at $2,500.
Defense Outside Limits Advantage
One of the key advantages of our coverage is defense outside limits, meaning legal defense costs don't reduce your available coverage for damages. This is critical for products liability claims where defense costs can be substantial and where preserving full policy limits for potential settlements or judgments is essential.
Digital Platform Efficiency
Our digital platform provides speed and efficiency for manufacturers and distributors who need quick turnaround on quotes and binding. This streamlined process helps businesses get the protection they need without lengthy underwriting delays.
Nationwide A- Rated Coverage
Available nationwide with A- financial rating, providing manufacturers, distributors, and importers with confidence in our financial stability and claims-paying ability. Our broad industry appetite and specialized expertise ensure appropriate coverage for diverse product businesses.