INDUSTRIES
A product carries risk long after it leaves your hands — through a distributor, onto a shelf, and into daily use. We build product liability programs around the entire path your product takes to market, not just the point where you made it.
Claims can allege the product was designed poorly, made incorrectly, or sold without adequate warnings — three distinct legal theories, each requiring the same underlying protection.
A recall creates direct costs — notification, retrieval, replacement — separate from any liability claim tied to the defect itself.
Liability doesn't end at the point of sale; claims can surface long after a product has been installed or put into use.
Claims often name every link in the chain — manufacturer, distributor, retailer — regardless of exactly where the defect originated.
Distribution and retail agreements often include indemnification language that can shift liability onto you contractually, beyond what the law alone would require.
Product safety regulation adds its own layer of compliance risk on top of standard liability exposure.
Send us the contract — we’ll make sure your coverage actually backs up what you’re agreeing to.
Our advisors know that liability doesn't stop at your factory door, so recommendations account for the full path your product takes to the end user.
Contracts up and down your supply chain often carry specific insurance minimums — we help make sure you're never caught short.
When something happens, we advocate for you through the entire claims process — not just at renewal.
From a single product line to a multi-brand portfolio, we tailor coverage to where your business is today and where it's headed.
1
We learn your products, your distribution channels, and your current coverage and claims history.
2
We identify gaps — recall preparedness, contractual exposure, completed operations coverage — before they become a problem after a claim.
3
We place your program with carriers who understand product liability risk, balancing coverage, service, and cost.
4
We review your program as your product line and distribution relationships change, and support you through claims when they arise.
Product liability insurance covers claims that a product caused injury or damage due to a defect in its design, manufacturing, or warnings. Any company that manufactures, distributes, or sells a physical product carries this exposure, even if they didn’t design or build the product themselves.
Product liability covers claims tied to the product itself — a defect in how it was made or designed. Completed operations covers claims that arise after your work or product has been installed, delivered, or completed — for example, an issue that surfaces after installation rather than at the point of sale. Many businesses need both, depending on whether they also provide installation or related services.
It depends on your policy’s structure and any additional insured requirements in your distribution agreements — this is exactly the kind of detail worth reviewing proactively rather than discovering during a claim. We help structure your coverage and contracts so the right parties are protected.
A recall can affect future pricing and availability of coverage, which is part of why having product recall coverage in place beforehand matters — it helps you respond to the direct costs of a recall without that cost falling entirely on the business. We help you understand this impact honestly rather than after the fact.
Yes — this is one of the most common reasons product companies come to us. Send us the insurance requirements section of the contract and we’ll review what you currently carry against what’s being asked for, then close any gaps before you need to sign.
You contact us first — we help you document the situation correctly, get the claim filed with the right carrier, and stay involved as your advocate through investigation and resolution, not just at the point of filing.
