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
Why Choose Insurance Canopy?
We Have A (Nearly) 5 Star Rating
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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, 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, 2025What 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 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
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, 2025Would 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 -
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, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
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 -
everything is excellent
Radames Martinez
May 18, 2025I'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, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 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, 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, 2025 -
I 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, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I 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, 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, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025
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Thank you so much
Steve Monreal
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 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 -
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 -
great 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, 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 -
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 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
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 -
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
What Is Product Liability Insurance?
Property Damage
Illness
Injury
Death
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.
Business Size
Where you work and who you employ impact coverage needs.
Revenue
The amount you sell reflects the amount of coverage you need.
Limits
Some retailers require certain insurance limits on your policy.
Claims History
“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:
Manufacturers
If a customer sustains injuries from using a product you manufactured, they can name you responsible.
Distributors
You could be held liable if you cross-contaminate or damage a product in transit that later harms a consumer.
Suppliers
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.
Importers
Transporting products long distances carries extra risks of damaging products or packaging. Don’t get caught facing a lawsuit alone.
Retailers
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.
Questions About Product Liability Insurance
Is Product Liability Included In General Liability?
Yes! Our policy combines general liability insurance with product liability insurance to give you the coverage your business deserves. Insurance Canopy can help cover claims from:
- Slip and fall injuries in the workplace
- Destruction to property from business operations
- Bodily harm from your products and possible defects
- Property damage from products or installation
- Failure to provide labels or warnings on products
- Litigation costs and medical expenses
- And more…
Insurance Canopy understands general and product liability insurance limits may vary by industry and business activities. That’s why we tailor your coverage to you! Submit an application today for a free quote.
What Products Are Not Covered Under Product Liability?
While we do try our best to offer you coverage for unique or high-risk products most other insurance companies do not cover, there are some products we cannot insure.
These products are NOT covered:
- Aerosol products
- Baby products
- Products requiring a prescription
- Any product containing human stem cells
- Weapons and firearms, including police and military gear
- Products intended to be injected
- Anything containing more than 0.3% THC (For THC Higher than 0.3% see our Cannabis Crop & Dispensary insurance)
- Products containing illegal drugs or alcohol
If you have any questions or concerns about finding coverage for your product, our experienced agents can help assist you and see if we have a policy for you.
Why Insurance 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.
How To Get Product Liability Insurance?
You can submit a product liability insurance quote on our website. The process is entirely online and can be completed in 10 minutes or less. After you submit a quote, a member of our team will contact you.
When filling out the application, we will ask you for the following information:
- Businesses contact information
- Details of the products and/or services you want covered
- Total gross receipts from all products and/or services
- Preferred limits of liability
- Claims history