Product Liability Insurance
For Consumer Products

Protect Your Business Today!

Product Liability Insurance with Insurance Canopy

Businesses who manufacture, import, or distribute consumer products inherit many risks. If your business is in the supply chain of consumer products, then you need product liability insurance, which is designed to protect your business against claims and lawsuits that arise from your products’ exposure on the market. From bodily harm to property damage, you could be held legally liable if your product were to harm someone or something. Protect your business with a product liability insurance policy from a leader in the insurance industry who can give you peace of mind and help you get your products into the hands of those who need them.


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Quick Quote Turnarounds


With an efficient, streamlined process, Insurance Canopy can provide you with a quote within 48-72 hours. Our team has over a decade of experience in the insurance industry and can help you meet needed insurance requirements. They can help you understand the details of your business, answer any questions you may have, and help you focus on what’s important--your business.

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Support From Experienced Agents


Succeeding in the ecommerce industry means consulting with professionals who can help you progress and meet industry standards. Our agents are well-versed in the needs of consumer product creators, manufacturers, and distributors and can help you find the necessary coverage for your specific business needs.

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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.


Coverage Details

General Liability Limits  
General Liability Aggregate 
The most your policy will pay for bodily injury and property damage claims occurring within the policy term that you become legally obligated to pay due to your business services.
$2,000,000
Products & Completed Operations Aggregate 
The maximum amount your policy will pay for bodily injury and property damage claims occurring within the policy term that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
$2,000,000
Personal & Advertising Injury 
The amount that your policy will pay for claims arising out of one or more of the following offenses:
  • False Arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful Eviction or Wrongful Entry
  • Oral or written publications that slander or libels a person or organization
  • Oral or written publication or material that violates a person's right of privacy
  • The use of another's advertising idea in your advertisement
$1,000,000
Each Occurrence Limit 
The maximum amount paid per incident during the term of the policy.
$1,000,000
Damage to Premises Rented to You 
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Cyber Liablity 
May provide protection from losses resulting from a data breach or the loss of electronically-stored confidential information.
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Medical Expense Limit 
A general liability coverage that reimburses others, without regard to the insured's liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.
$5,000
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Products in a home such as bedding, curtains and furniture are protected with product liability insurance for consumer products.
Insurance Highlights
  • Additional Insured Endorsements
  • Inland Marine Coverage
  • Hired/Non Owned Auto Coverage
  • Employee Benefits Liability
  • Trade-show Coverage
  • Product Withdrawal Coverage
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Grocery carts are lined up and ready for consumers to buy products that are insured with consumer product liability insurance.
We Cover Thousands of Products
  • Health & Household
  • Manufacturers
  • Cleaning Products
  • Grocery & Food Products
  • Amazon Sellers' Products
  • Pet Supplies
  • Home Office
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Questions About Product Liability Insurance For Consumer Products

Product liability insurance for consumer products protects those who produce, manufacture, distribute or sell consumer products from liability claims that may arise from their products’ exposure to consumers. If your product causes bodily injury or property damage to another person or piece of property, you could be held responsible for the costs associated with those damages. Defense costs alone could put a business under.

Product liability insurance can protect your business from claims arising from your consumer products that have been sold in the marketplace. Every product carries unique risks, and Insurance Canopy can help protect you against those risks.

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The consumer products you sell expose you and your business to lawsuits. The median product liability award in 2017 was $1.5 million. One of the main issues business owners have faced and continue to, is concerns around liability arising from their products and operations. In our litigious society, more and more third-party lawsuits are being filed, and you can’t keep your business exposed to that risk.

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. Attorneys costs, court fees, medical bills, and settlement costs can accumulate at a staggering rate. Not having liability coverage puts everything you have built at risk.

Product liability insurance from Insurance Canopy for your consumer products can help protect your business from claims arising from your products and likely protect you from paying for a lawsuit out of your own pocket.

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The cost of product liability insurance is much more cost effective than the amount you’d have to shell out if your business was involved in a lawsuit. The cost of liability coverage for consumer products is based on many variables which include: the product you manufacture, distribute or sell, the volume of sales, where your organization fits in within the chain or commerce, geographical location, and so on.

Our agents can help you find the best competitively-priced premium for your policy.

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Your product liability insurance policy for consumer products can be tailored to fit the unique needs of your business. We'll provide coverage options for your product liability policy based upon the exposures that you may have.

Our product liability policy provides coverage for the consumer equipment or goods manufactured, sold, handled, distributed, or disposed of by you and/or your company. The policy also includes protection from providing, or failure to provide, warnings or instructions about your products.

Canopy provides product liability insurance for consumer products to both large and small businesses.

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Yes! Just one claim against your consumer products business could be financially damaging and you’d be glad you were insured. Plus, if you’re attempting to expand your business, most retail contracts require you to have product liability insurance for your products.

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Insurance Canopy now offers Cyber Liability Insurance and can be added to your policy during your application process..

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Choosing the right insurance is critical.

You can’t afford gaps in your coverage that could put you out of business.

A couple compares products in a grocery store. Stores often require products to be insured by their manufacturers, wholesalers, distributors, or importers.

Need additional information before making a decision?

Give our team a call today at 888.600.0894

 

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Relax at home- knowing that you're getting coverage from A rated insurance carriers. You can have peace of mind knowing you have the coverage your business needs.

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