Product Liability Insurance

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Canopy and Product Liability Insurance

At Insurance Canopy, we pride ourselves on our expansive knowledge of product liability. Our team provides manufacturers, importers, and distributors with customizable policies for consumer, commercial, and industrial goods and services. We make sure each client receives quick, efficient service and quality coverage.

With in-house underwriting through the most reputable insurance carriers, you can be confident that your business will get the coverage it needs.

Hanover Hartford Great American Mid Continent Group Progressive USLI
Tailored Coverage
Simply fill out our online form and one of our licensed agents will tailor a quote fit for your business needs.
Protects Your Business
Coverage is designed to respond to bodily injury and property damage claims from using your product.
Helps You Expand
We have experience helping business owners fulfill retail contract insurance requirements for reputable companies like Target, Whole Foods, and more.

Affordable Product Liability Insurance For Small Business Owners

Product liability protects your business from lawsuits, accidents, negative reactions from products sold, distributed, or manufactured, and third-party claims. At Insurance Canopy, we help small business owners assess the specific risks associated with their industries and customize liability coverage to meet their needs.

Can’t find your industry? View more here or call for assistance 888‑600‑0894.

Questions About Product Liability

Choosing the right insurance is critical. You can’t afford gaps in your coverage that could put you out of business.

What is Product Liability Insurance?

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

Insurance protects your financial assets if you are sued as a result of your business operations. You can be held liable for claims that include injuries, illnesses, or damages arising from your goods.

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.

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 that 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 we come in.

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

woman about to purchase product liability insurance sitting in front of a note pad
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.

How much product liability coverage do I need?

Depending on your sales, assets, or contractual insurance requirements our licensed agents can include excess and umbrella policies as well. The industry standard is a $1 million dollar per occurrence limit with a $2 million dollar general aggregate limit.

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.

Need additional information before making a decision?
Give our team a call today at

  • Beauty & Cosmetics Products Mfg.
  • Consumer Products
  • Clothing Mfg.
  • Discontinued Products
  • E-Cigarette and Vape Products
  • Food Products Mfg.
  • Industrial Products
  • Medical Devices
  • Nutraceutical, Vitamin & Supplements
  • Product Recall
  • Sporting Goods Mfg.
Coverage Details
  • Available In All 50 States
  • Premium Starting at $1,000
  • In-House Authority
  • Limits Up To $100 Million
  • Foreign Liability Coverage
  • Occurrence & Claims-Made Forms
  • Startups & New Ventures Welcome
  • Vendors Endorsement

Listed are just some of the industries Canopy provides policies for along with our business product liability policy highlights. We have the ability to adapt our policies to thousands of other industries and products and include many other benefits. If you have a question about your business' fit with Canopy, contact us.

Insurance Map

Product Liability Insurance
Licensed in all 50 States

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Competitive Premiums

With high-quality coverage at a low price, you can rest assured that your business will be insured with the right policy.

Easy to Apply

Our online applications only take 10–15 minutes to complete and are available to you 24/7. Apply when it is convenient for you.

Fast Quotes

Our in-house underwriters will have a quote ready for you in as little as within 24–48 hours.

Knowledgeable Team

With over 20 years of experience, you can be sure our licensed insurance agents can assess your unique needs and make sure your business has proper coverage.

Customized Small Business Insurance Plans

We work closely with our underwriters and specialty markets to deliver customized small business insurance quotes. Check out the industries we currently cover here.