Products Liability Insurance

Product Liability Insurance Vs Public Liability Insurance – what’s the difference?

Most businesses appreciate the importance of Public Liability insurance but many overlook the increased risk they face when they design, produce or distribute products for consumer use. Whether you sell products or give them away for free, you may be held legally responsible for any injuries, loss or damage caused by the product. Therefore, for peace of mind, you should consider including cover for Products Liability within your insurance programme.

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Liability insurance premiums

Liability insurance can be one of the most cost-effective ways to protect your business, whether you’re a cottage industry selling at craft fairs or an SME.

All the cover you need in one place

Products Liability insurance can often be included within a Combined Liability policy, comprising Employer’s liability, Public Liability and Products Liability, giving total peace of mind.

Flexible cover limits up to £10million

You can set your Products Liability indemnity limit up to £10million to help cover legal expenses and any compensation awarded to the claimant who sues you.

Products Liability insurance set up in minutes

After discussing your requirements, we will obtain quotes from our carefully selected panel of insurers. If you’re happy with the price and cover, we can get the policy set up immediately.

Helpful payment options to manage cashflow

If you’d prefer not to pay for your insurance policy up front, we can arrange for you to pay two monthly payments split 50/50 or apply for payment via monthly direct debit.

All your business insurance in one place

As specialists in commercial insurance, we can help you manage all your policies, from liability to fleet. This means you’ll deal with just one account manager, reducing hassle and policy admin.

What are the main features of a Products Liability Insurance Policy?

Whilst Product Liability can be included on a Public Liability or Combined Liability policy, they are two very different levels of cover. Public Liability covers for claims made by members of the public resulting from your business activities, whereas Products Liability specifically covers personal injury or loss and damage arising from the use of products you design, create and/or distribute. Although this cover is not legally required, you do have a duty of care towards your customers and should consider the ramifications to your business and your finances if a claim was made against you as a result of the products you sell.

Main Features

Cover levels up to £10million
Legal expenses cover to defend proceedings against you
Covers compensation you are required to pay to the claimant
Designed to cover a wide range of product related activities, such as design, manufacture, distribution, repairs and imported goods
Can be included in a Combined Liability policy

Products Liability Insurance

Products Liability Insurance

Product Liability Insurance Vs Public Liability Insurance – what’s the difference?

WHY CHOOSE US

Speak with the specialists in liability insurance

Liability insurance premiums

All the cover you need in one place

Flexible cover limits up to £10million

Products Liability insurance set up in minutes

Helpful payment options to manage cashflow

All your business insurance in one place

QMT Commercial is a UK based, Proudly Independent Insurance Broker.

What are the main features of a Products Liability Insurance Policy?

Main Features

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