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Product Liability Insurance

from Robert Bell Insurance Brokers
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by Michael Bell on Mar 28, 2014

If you are in the business of designing, manufacturing, selling, and distributing a product in California, you understand that it can be exciting, involve hard work and can even be a bit risky. When the product you represent causes injury or damage to a third party, you need and deserve protection. Depending on the coverage you have, you may not be adequately protected from a product liability claim. Many “standard” insurance policies have limitations for product liability claims. For example, a small restaurant produced its own special salad dressing that it used at their own restaurant. Over the years customers asked if the dressing would be made available for sale. The restaurant then decided to package and sell the salad dressing to customers. They also sold the salad dressing at a local specialty store. A person who bought the dressing at the specialty store became sick after consuming the dressing. It was determined that the dressing had been the cause of the illness. The restaurant was sued for $5,300 of medical treatment and $10,000 in damages. The product liability coverage provided protection for the restaurant.

Our experienced staff will work with you to help find the right insurance and risk solutions for your business. Our knowledgeable team can work with any business; we know and understand your industry.

What is product liability insurance?

Product liability insurance can provide protection from damages, claims and other liability arising out of the selling, distributing, manufacturing and design of products. Damages can include bodily injury, property damage and even death.

An important feature of product liability insurance is the legal defense coverage. The cost to defend an allegation can create a strain on your firm’s resources.

Claims can come from any of the following:

  • Poor workmanship
  • Breach of warranty
  • Failure to warn
  • Defect in design or manufacturing
  • Material defect
  • Failure to provide adequate instructions 

We have a number of highly rated insurance companies to select from. Call us for more information. 


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