Product Liability Insurance

Designed to protect your small business and help you get into retail stores.​

Whatever Your Contribution, We’ve Got You Covered

Quick Turnaround | Affordable Policies | Experienced Agents | Customizable Coverage

Any business that imports, produces, distributes, or sells products needs product liability insurance. Insurance Canopy has helped thousands of businesses like yours obtain affordable coverage to protect against lawsuits and meet retail requirements. We have also assisted thousands of businesses get products into stores such as Target, Whole Foods, Ulta Beauty, Petco, Rite Aid, Amazon, Walmart, and countless others—both online and in-store.

Why Choose Insurance Canopy?

We Have A (Nearly) 5 Star Rating

Sheri Lowe
Sheri Lowe
Business Owner
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"Great insurance company"

Great company easy to work with, and they even sent me reminders about my renewal!!!! Thank you so so much
Alex Churchill
Alex Churchill
South Florida
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"Fast, easy, and always there when I need it! "

Fast, easy, always there. As a mobile dj it’s important to me to have access to a cost friendly insurance option when needed. That’s exactly what you get! Great policy at a great rate. Thanks!!!
Micah Strickland
Micah Strickland
Orlando FL
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"The online application was very easy to use definitely will use again"

My first time using this Company I like the ease of navigating through the site.
Lilly-Mae Gallagher
Lilly-Mae Gallagher
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"Reliable & Affordable"

Very reliable and affordable insurance. Customer service is outstanding and hassle free when renewing.
Aalia Nicholson
Aalia Nicholson
Business Owner
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"So easy and quick to get the coverage I needed."

I loved working with insurance canopy. Their customer service was so available and willing to answer my questions as a first time business owner. Great pricing, quick, and easy.
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What Is Product Liability Insurance?

Product liability insurance, or product insurance, provides financial protection for claims if a product you sold, produced, or distributed leads to:

Property Damage

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Without insurance, you could be paying thousands of dollars for legal fees, repairs, or medical bills all on your own. You may have to halt business or recall products, and you risk damaging your reputation.

View our Product Liability Case Study for additional facts, statistics, and information about product liability insurance.

How Much Does Product Liability Insurance Cost?

Product liability insurance is more affordable than you think. Our customers pay an average product liability insurance rate between $800-$1400 for; their annual premiums. The cost of product liability insurance is dependent on a few factors and can vary depending on your business and operations. Our application takes into consideration the following common factors.


Higher risk products may require higher insurance limits.

Business Size

Where you work and who you employ impact coverage needs.


The amount you sell reflects the amount of coverage you need.


Some retailers require certain insurance limits on your policy.

Claims History

Past claims can put you at high risk and impact your limits

“How much is product liability insurance going to cost me?”  

Learn more insights about product liability insurance costs from our 2021 Annual Case Study, and apply for a free product insurance quote today.

Who Needs Product Liability Insurance?

If you work with a product at any point in the supply chain, then you need product liability insurance. This includes:


If a customer sustains injuries from using a product you manufactured, they can name you responsible.


You could be held liable if you cross-contaminate or damage a product in transit that later harms a consumer. 


If you supply bad materials, a faulty product may end up on store shelves. This could cause you to face fines and loss of business.


Transporting products long distances carries extra risks of damaging products or packaging. Don’t get caught facing a lawsuit alone.


If a product sample or purchased product leads to bodily injury, choking, allergic reactions, or damages their property, you can be liable to pay for medical bills, legal fees, and more.

Some online retailers are required or recommended to carry insurance policies. Insurance Canopy’s plans often meet or exceed retailer requirements.

Whether you handle ingredients, parts, or whole products, you can still be held liable in a claim if the final product causes bodily harm or property damage. Get the necessary coverage you need from Insurance Canopy today. 

Suppliers, manufacturers, distributors, and retailers all face the same liability risks and can benefit from the protection of insurance. Our policies are some of the cheapest product liability insurance plans on the market! See what Insurance Canopy can do for your business, and submit an application today.

What Does Product Liability Insurance Cover?

Insurance Canopy’s policy provides coverage for goods or products manufactured, sold, handled, distributed, or disposed of by you and/or your company. We also offer product recall insurance in case you need to halt or pause production and issue a recall due to a claim. 

Even if you have strict product testing and carefully monitor product safety, accidents can still occur. Having product liability insurance helps you protect your reputation, lower or eliminate the cost of claims, and keep business operations running smoothly.

How Much Product Liability Coverage Does Your Small Business Need?

The amount of coverage you need may vary based on the niche your product is in. The industry standard is a $1 million dollar per occurrence limit with a $2 million dollar general aggregate limit. Depending on your sales, assets, or contractual insurance requirements our licensed agents can include excess and umbrella policies as well.

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Product Liability Insurance
Licensed in All 50 States

Questions About Product Liability Insurance

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