Product Liability Insurance

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

Product liability insurance protects your business against third-party bodily injury and property damage claims arising out of your products’ exposure to the market. Planning on expanding your business? We’ve provided Product Liability Insurance to thousands of business owners, assisting them in breaking into stores such as Target, Whole Foods, Ulta Beauty, Petco, Rite Aid, Amazon, Walmart, and countless others, both online and storefront.

Get Started Now
The Hanover Insurance Group logo The Hartford logo Great American Insurance Group logo Mid-Continent Group logo Progressive logo USLI logo RangeMe logo

Leverage Our Experienced Professionals

With more than a decade of experience in the insurance industry, our experienced agents seek to understand the details of your business, help you answer specific insurance questions, and provide you with a quick quote turnaround so you can focus on more important things like growing your business.

Consultant helping business optimize
Smiling small business owner out in his workshop

Expand with Excess Liability Insurance

Need higher limits to get into a specific retailer? Our experienced team can help assess the specific requirements and provide you with a free quote customized to your needs. With excess liability insurance, you’ll be able to meet retailer requirements and open up new revenue streams for you to expand your business.

Understand Retail Requirements

Navigating retailer contract requirements in relation to insurance can be confusing. We can help you understand what you’ll need to break into the retail space. With years of experience reviewing the insurance portion of retail contracts, our agents can help you understand what your business needs to meet these requirements.

Business owner couple meeting with retail manager in her store


Click on a question below to learn more.

What is Product Liability Insurance?

Product liability insurance provides protection against bodily injury and property damage losses arising out of some defect in products sold, manufactured, or distributed.

This means that if your business plays part in the supply chain of a product, whether it be in sales, distribution, installation, or manufacturing, you should be aware of the necessity for product liability insurance.

Even if you believe your business to be faultless, you could still be sued over a product defect in an item you sold or even find yourself responsible for legal defense costs in a suit. A customer could also claim that your business provided insufficient warnings or inaccurate instructions related to your product leading to a recall.

If a product injures a customer or is labeled incorrectly, the manufacturer, the distributor, the designer, and the retailer can all be held liable for the resulting damages as well as recall costs.

Product liability insurance protects you if a product you sold or produced leads to:

  • Property damage
  • Illness
  • Injury
  • Death

Why Product Liability Insurance?

Each year in the United States, thousands of injuries are reportedly caused by defective products. In the unfortunate event that one of your products causes another person harm and they file a claim against your business, the courts may hold you responsible for the incurred costs of the injury.

Product liability claims can be in regard to a product causing property damage, causing someone illness, causing someone to be injured, or even death.

You can be exposed to a product liability claim if your business operations include:

  • Manufacturing component parts
  • Manufacturing, importing, or distributing products
  • Retailing products to consumers
  • Wholesaling products to retailers

Under the definition of “Strict Liability,” a person who is injured by a product may be entitled to compensation for their injuries without showing that the manufacturer or seller of the product was actually negligent.

This is where Insurance Canopy comes in.

You can be confident that your company will have the coverage it needs with a policy tailored specifically to your business operations.

What’s Included In A Product Liability Policy?

Our policy provides coverage for goods or products manufactured, sold, handled, distributed, or disposed of by you and/or your company. Your policy will also offer protection from providing, or failure to provide, warnings or instructions on your products.

Do I Need Product Liability Insurance?

Yes. If you are manufacturing, selling, handling, distributing, or disposing of a product, you need insurance. This type of coverage is designed to respond to lawsuits or claims made against manufacturing defects, design defects, defective warnings, and instructions. No matter how careful you are or how involved you are with your business, there’s always a chance of mistakes happening.

Product liability insurance is designed to protect your business from two kinds of claims:

  • Lawsuits, accidents, or negative reactions arising from products sold, distributed, or manufactured
  • Third-party claims such as bodily injury and property damage losses arising out of a defect in the product your business sold, manufactured, or distributed

Insurance Canopy helps small business owners assess the specific risks associated with their industries and then customizes liability coverage to meet their needs.

How Much Product Liability Coverage Do I 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.

How Much Does Product Liability Insurance Cost?

The cost of your specific policy will vary based on a few factors, such as industry, sales revenue, your organization’s size, and more. Our licensed agents will assess your risks and create a customized insurance policy that fits your small business needs.

Why Canopy Is Your Solution To Product Liability Insurance

Insurance Canopy is dedicated to providing manufacturers, importers, and distributors with customizable policies for consumer, commercial, and industrial goods. We’re here to help you assess the specific risks associated with your industry and customize the product liability coverage your business needs.

We have the ability to provide insurance solutions for small businesses in the most niche industries carrying a wide range of products. Our covered industries range from vitamins and dietary supplements, beauty products, and vape and e-cig equipment, to emerging CBD topical and ingestible products and cannabis goods.

With our product knowledge and expertise, you can rest easy knowing that someone is taking care of your insurance needs.

Start your application today

Coverage Details

Included Coverage Details


General Liability Aggregate


Each Occurrence Limit


Products and Completed Operations Aggregate


Personal and Advertising Injury


Damage to Premises Rented to You


Medical Expense Limit


Coverages Often Purchased with Product Liability Insurance


Product Recall

Manufacturers E&O

Commercial Property

Cyber Insurance

Workers Compensation

Inland and Ocean Marine

What people are saying

Customer photo Amanda B

Amanda B.

Insurance Canopy’s agents helped me before I even knew I needed help! They made the process swift and easy and even helped me fix some mistakes I made with addresses. I would highly recommend Insurance Canopy! GREAT WORK!

Customer photo Darlene D

Darlene D.

“We were having a picnic at our local event place. We wanted a band to play for us but the venue said we needed insurance for the band so they could play. It was my first time getting insurance for a band. Insurance Canopy came through for me and even included additional wording the venue was asking for on the certificate. The price was even better than the local insurance was asking for, and I got the certificate in a matter of minutes which I simply forwarded to the venue. Next time, I know what to do! Thank you Insurance Canopy.”

Customer photo Mike D

Mike D.

"Insurance Canopy’s investment of time led me to purchase insurance through them. The process wasn’t robotic and I was actually chatting with real people. Product liability insurance gives me peace of mind to focus on the things I really need to focus on--that’s its value right there.”

Start your application today