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Product Liability Insurance

Compare product liability quotes

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Protect your business from customer claims against faulty or harmful products

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Get sufficient cover to help towards compensation claims and legal fees

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Bionic provides business insurance for limited companies like retailers, suppliers and more

Get tailored cover to protect your wallet against unexpected legal costs or compensation

Only pay for the protection you need — no unnecessary extras

What is...

product liability insurance?

Product liability insurance is a type of business insurance that covers the cost of compensation if someone is injured or if their property is damaged by a product that you have sold, manufactured, designed or even just supplied. 

Even if you were not the original manufacturer or supplier, you could still be responsible for a claim relating to a product. If you refurbish or repair products or import them, you might be liable for damages caused by those products. 

That’s why if your business is involved in the design, production or sale of products, product liability insurance is essential for protection against costly claims. 

Who needs product liability insurance?

Although not a legal requirement, if your business supplies products to customers, you have a responsibility to ensure they’re safe.  

Manufacturers, retailers and wholesalers all should consider product liability insurance. If you don’t create the products, but you sell them, still you could be held responsible for injury or damage caused by faulty or harmful products that you provide. 

These include if: 

  • Your business has its name on the product 
  • You can’t identify the manufacturer 
  • Your business repairs or changes the product 
  • You imported the product from outside the UK 
  • The manufacturer has gone out of business 
James Barwell

If a product you sell causes injury to a customer - you could be liable. Product liability insurance provides financial protection against certain types of claims. This should be a key consideration for shops, salons, wholesalers and more.

James Barwell – Insurance Director

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Or speak to one of our team on 0800 000 000

Is product liability a legal requirement?

No, product liability insurance isn’t a legal requirement in the UK but it should be strongly considered if your small business produces, sells, or even just supplies goods.

How much is product liability insurance?

The cost of product liability insurance cover varies depending on several factors unique to your business, including:  

  • Type of product -  The type of product you sell or manufacture will influence costs 
  • Claims history - A history of claims can indicate higher risk, leading to increased premiums. 
  • Workplace risks - Businesses with dangerous working environments or heavy-duty equipment may face higher costs. 

To find out exactly what it’ll cost to insure your business, speak to a member of our insurance team today.

Find out why your business needs insurance from Les, our Business Comparison Expert.

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Or speak to one of our team on 0800 000 000

How Bionic business Insurance comparison works

Compare business insurance quotes in three simple steps
1

Start your quote online

Speed up the process by submitting basic business details online – whenever you have time. 

2

Speak to our UK-based team

Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct. 

3

Compare tailored quotes

Get your quotes from our panel of trusted insurers and talk any questions through with our team. 

What do I need to get started?

You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go: 

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Your business name and trade

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Your policy start date

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Your name and contact details to receive your quote options

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You may be asked additional questions about business activities

We know business insurance admin is boring, that’s why we make it painless. But, don’t just take our word for it – see what our customers have to say!

Product Liability FAQs

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