Product Liability Insurance

Why choose Howden for Product Liability Insurance?

When it comes to getting product liability insurance cover, as an insurance broker we pride ourselves on doing the heavy lifting, so you and your business don’t have to. Thanks to the great relationships we have with our selected panel of specialist liability insurers, we make the process of comparing multiple policies, on your behalf, simple and hassle free. What’s not to like?

Howden also recognises that each policy needs to be as individual as its owner, and that’s why we provide a tailored, personalised service, focused on getting to know you and finding out exactly what you want from your product liability insurance.

All in all, just know that we’re here to help, whether you need to purchase a new product liability policy, renew an existing one, or even just make a claim.

Benefits of working with Howden:

• You can trust us – we’re rated Excellent on Trustpilot.
• We’re driven to save you time, money, and hassle.
• Benefit from a tailored service that comparison sites can’t provide.
• Speak with your local insurance broker, within your community.
• We’re right by your side in the event of a claim.

Product Liability Insurance explained

You should consider Product Liability Insurance if your business designs, manufactures or supplies a physical product that is sold or given away for free.

Your business may be held legally responsible for any injuries to people or damage to property caused by a faulty product.

You can be held liable for faulty products even if you did not manufacture them. You may be liable for compensation if:

• Your business’s name is on the product
• Your business repairs, refurbishes or changes a product
• You imported the product from outside the European Union
• You cannot identify the product’s manufacturer, or the manufacturer has gone out of business

A compensation claim for a faulty product can be brought against a manufacturer any time within 3 years of using the product. This means that if you stop trading you should consider continuing cover.

What does Product Liability Insurance cover?

Product Liability Insurance protects you against the cost of compensation for:

• Personal injuries caused by your faulty product
• Loss of or damage to property caused by your faulty product
• Unforeseeable circumstances such as product faults that your quality control system could not identify

Product Liability Insurance may not cover you for:

• Faulty products resulting from bad workmanship
• Financial losses to a business or person caused by your faulty product

If you do not manufacture the product but you distribute it, you should be covered if you can show that:

• The products were faulty when they were supplied to you
• You gave customers adequate safety instructions and warnings about misuse
• You included terms for the return of faulty goods to the manufacturer
• Your supply contact with the manufacturer covers product safety, quality control and returns
• You have good quality control and record-keeping systems

Other Types of Liability Insurance

Employers' Liability

Required by law if you have employees – covers the cost of compensating employees who are injured at or become ill through work.

Read more >

Public Liability

Covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Read more >

Professional Indemnity

Covers the cost of compensating clients for loss or damage resulting from services or advice provided by a business or individual.

Read more >

Directors’ and Officers’ Liability

Covers the cost of compensation claims made against your business’s directors and officers for alleged wrongful acts.

Read more >

Do you need to speak to someone about your insurance requirements? Contact us today by either visiting us at your local Howden branch, by getting a quote via our website, or by giving us a call!