cheap product liability insurance
Cheap Product Liability Insurance
Protect your brand from product-related lawsuits—bodily injury, property damage, and advertising injury tied to the products you make, import, or sell. Compare options and buy in minutes.
Get Instant Product Liability Quote
Who needs it
- Manufacturers, importers, private-label brands
- Wholesalers, distributors, retailers
- Amazon/eBay/Etsy & DTC e-commerce sellers
- Food & beverage, cosmetics, electronics, home goods, supplements*
*Availability varies by carrier and product risk.
What it can cover
- Third-party bodily injury & property damage from your product
- Defense costs, settlements, judgments (up to limits)
- Products-completed operations liability
- Vendors/additional insured endorsements (when eligible)
How pricing works
Premiums depend on product class, annual sales, territory, materials, warnings/instructions, QC controls, recall history, and chosen limits/deductibles. Bundling with General Liability/BOP can lower overall cost.
Read More: Coverage details, exclusions, cost-savers & FAQs
Coverage Details
Occurrence vs. Claims-Made
Most small-biz policies use occurrence triggers for products-completed operations. Some specialty risks may be claims-made; ask about retro dates and tail options.
Limits & Endorsements
Common starting limits are $1M per occurrence / $2M aggregate. Contracts may require higher limits, primary & non-contributory wording, waivers of subrogation, or vendor endorsements.
International Exposure
If you sell overseas or import from abroad, confirm covered territories/jurisdictions and any additional requirements for foreign manufacturers or distributors.
What’s Typically Not Covered
- Known defects or intentional/non-compliant acts
- Warranties/guarantees beyond policy terms
- Professional services (consider E&O if applicable)
- Product recall costs (ask about separate recall/contamination coverage)
- Intellectual property disputes (trademark/patent, unless endorsed)
Ways to Lower Your Cost
- Documented quality control (QC) and product testing
- Clear warnings/instructions and age-grade labeling
- Lot coding & vendor traceability
- Contracts with suppliers (hold-harmless/indemnification & AI where appropriate)
- Higher deductibles and safe packaging design
- Bundle GL with a BOP; consider an umbrella for large contracts
Marketplace & Retail Requirements
Major marketplaces and retail partners often require proof of general/product liability at specific limits and additional insured wording. We’ll help you meet COI requests and endorsement language your partners ask for.
How to Get a Quote
- Click “Get Instant Product Liability Quote.”
- Answer brief questions about your products, sales, and territory.
- Select limits/deductible, bind, and download your COI—request AIs or vendor endorsements (when eligible).
Product Liability Insurance – FAQs
Is product liability insurance different from general liability?
General Liability typically includes products-completed operations for third-party injuries or property damage caused by your product. Some higher-risk goods need dedicated product liability or specialty underwriting.
How much does product liability insurance cost?
Entry-level premiums for low-risk items can be a few hundred dollars per year, while higher-risk classes (e.g., children’s products, batteries, supplements) cost more. Sales volume, materials, warnings, and claims history all matter.
I’m a retailer or online seller—do I still need it?
Yes. Retailers, distributors, and online sellers can be named in lawsuits alongside manufacturers. Coverage helps with defense costs and potential settlements up to policy limits.
Does it cover overseas manufacturing?
Often, yes—if the policy’s territory and jurisdiction allow. Many carriers require supplier agreements and documented QC. Always confirm your specific setup is covered.
Is product recall included?
Recall expenses are usually excluded from GL. Ask about separate Product Recall or Contaminated Products coverage to handle notification, disposal, business interruption, and PR.
Can I add a vendor or marketplace as an additional insured?
Many policies allow additional insured (AI) endorsements for landlords, vendors, or marketplaces, sometimes via a Vendors Endorsement. Availability depends on carrier and product class.
How fast can I get a certificate of insurance (COI)?
Often within minutes after binding online. Custom endorsement wording may need underwriting review.
Disclaimer: Coverage is subject to carrier underwriting and policy terms, conditions, and exclusions. This page is a general overview, not legal or insurance advice.
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Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
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Blake Nwosu
Owner & Principal Agent