Product Business Insurance
Whether you make it, move it, or sell it — we protect your small business from product-related risks.
- Meet Retailer Requirements
- Stand Out On Shelves
- Scale With Confidence
What Is Product Insurance for Small Businesses?
Product business insurance helps protect you from claims caused by the products you create, sell, or ship.
If a customer is hurt or property is damaged from a faulty product your business handled, this coverage can help handle the costs so you can keep moving forward.
Small Business, Big Coverage
We offer industry-approved product business insurance to keep you covered dock-to-door and shelf-to-store.
Operating within the supply chain? Get coverage for any stage of product production with coverage tailored to manufacturers, importers, wholesalers, distributors, and retailers!
How Much Does Small Business Product Insurance Cost?
On average, the cost of product insurance for a small business ranges from $58 to $250 per month (or $700 to $3,000 per year). The total price you pay depends on factors like the products you handle, your annual sales, and the coverage you need.
We know product coverage isn’t one-size-fits-all, which is why we personalize a policy to your specific business. Our team of licensed agents will customize your quote so you’re only paying for the coverage you need.
Did You Know?
More than 50% of Insurance Canopy customers pay less than $117 a month ($1,400 per year) for product business insurance!
What Type of Product Business Insurance Do I Need?
No matter your business, product risks exist across a wide range of industries — from supplements and skincare to pet supplies and sporting goods. The best protection for your small business? Product liability and general liability insurance!
Included
Products & Completed Operations Insurance
Products and Complete Operations Insurance (also known as Product Liability) helps protect your business if something you make, sell, or distribute leads to an injury, illness, or property damage. This coverage is designed to provide financial support for legal fees, medical costs, and settlements.
General Liability Insurance
General Liability Insurance helps with medical bills, legal costs, and repairs. It’s designed to be a go-to protection for everyday business risks. If a customer slips in your shop or your business operations cause property damage, this coverage can cover those costs.
Recommended Add-Ons
Primary & Non-Contributory Endorsement
A Primary and Non-Contributory Endorsement makes your insurance the “first in line” to respond to a claim, rather than relying on a partner’s policy. It’s commonly required by big retailers and 3PL contracts.
Waiver of Subrogation Endorsement
A Waiver of Subrogation prevents your insurer from going after business partners (like a fulfillment center) to recover costs after a claim. It keeps vendor relationships strong and contracts compliant.
30-Day Cancellation Notice Endorsement
A 30-Day Cancellation Notice gives your partners a 30-day notice if your policy is set to cancel. A small but important endorsement to maintain supply chain trust!
Product Recall Insurance
Product Recall Insurance helps cover the costs of pulling a recalled product from the market. This can include notifying customers, shipping and disposal expenses, and coordinating the recall. It doesn’t replace lost revenue, but it can take the sting out of a costly recall.
Inland Marine Insurance
Inland Marine Insurance helps protect business property while it’s on the move, whether you’re shipping products, transporting gear to a new location, or storing them at a secure location. Your tools, equipment, and inventory don’t just live in one place, so neither should your coverage!
Discontinued Products Coverage
Discontinued Products Coverage protects your business if old products still in customers’ hands cause injury or damage — even long after production has stopped. Just because a product is off the shelves doesn’t mean the risk disappears.
Additional Insureds
This covers other people or entities that require additional insured status on your policy. An Additional Insured may be a landlord, business, city, location, or partnering business. It is not yourself, employees, family, or friends.
How to Get Product Insurance For a Small Business
Secure product business insurance with Insurance Canopy in five easy steps:
- Apply online: Fill out a quick application online
- Receive a quote: Your agent will send a custom quote within 24 hours
- Sign, bind, and buy: Virtually sign, bind, and buy to make coverage official
- Get your policy: Instantly receive a copy of your Certificate of Insurance
- Simple renewals: Work with your agent to easily update or keep your coverage
135,000+ Small Businesses Trust Insurance Canopy
Whatever you make, move, or market, Insurance Canopy helps protect your product business.
- Quick, online quotes built for your products
- Affordable protection that scales as you grow
- Coverage trusted by retailers and marketplaces
- Expert support from licensed, U.S.-based agents
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Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025 -
They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Affordable. Thank you.
Ana Young
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025 -
I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025
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Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025
Small Business Product Insurance FAQs
Does Product Business Insurance Cover Lawsuits From Defective Products?
Yes, product business insurance can cover lawsuits from defective products. If something you make, sell, or distribute causes injury or property damage, this insurance can help cover legal fees, medical bills, and settlements.
Is My Business Covered if I Import Products From Overseas?
Yes, your business can be covered if you import products from overseas. Even if you didn’t manufacture the product, liability often falls on the importer or seller.
Product liability insurance protects you from claims that may arise, giving you peace of mind as you expand your product lines.
Will This Insurance Protect Me if My Manufacturer Is at Fault, Not Me?
Yes, product insurance may still protect you even if your manufacturer is at fault. In many cases, customers will hold you responsible simply because your name is on the product, you sold it to them, or your business handled it in some way. This coverage helps defend your business while liability is sorted out between parties.
Is Insurance Required to Sell Products Online or in Stores?
Yes, product liability insurance is often required to sell products online or in stores. Marketplaces like Amazon and retailers like Walmart or Target typically require proof of insurance before they’ll stock your goods.
Coverage helps you meet these requirements and makes it easier to expand into new retail and ecommerce channels.
Do I Need Separate Insurance for Each Product I Sell?
No, you don’t need separate insurance for each product you sell. A single small business insurance policy can typically cover your full product catalog, making it easier and more affordable to protect your business as you grow and diversify.
Can I Add Additional Insureds for Retailers or Vendors?
Yes, you can add additional insureds for retailers or vendors. Many stores and marketplaces will ask to be listed on your policy, and Insurance Canopy makes it easy to issue Certificates of Insurance that include them. This helps you secure contracts and get products on more shelves.