Product Liability Insurance for Manufacturers, Distributors, and Retailers.
If something you make, sell, or distribute causes injury or damage, your business can be held responsible — even if you followed every safety protocol. Saint Moore Insurance Agency helps product-based businesses find coverage designed for the risks built into the supply chain.
What Is Product Liability Insurance?
Product liability insurance protects businesses from claims alleging that a product they manufactured, distributed, or sold caused bodily injury or property damage. Most commercial general liability (CGL) policies include a products-completed operations component that provides this coverage — but standalone product liability policies or endorsements are often needed for businesses with significant product exposure or those excluded from standard CGL programs.
Claims covered generally include injuries or damage caused by a manufacturing defect, design defect, or failure to warn — the three primary theories of product liability. A customer injured by a defective power tool, a retailer sued after a contaminated food product causes illness, or a distributor named in a lawsuit involving a recalled component are all scenarios where product liability coverage typically responds.
Manufacturers, importers, wholesalers, distributors, and retailers all carry product liability exposure — often regardless of where they sit in the supply chain. Businesses that sell products under their own label, private label goods, or imported products without a domestic manufacturer are often at greatest risk and may require higher limits or specialized coverage. Product recall insurance is a related but separate coverage that addresses the cost of recalling a defective product from the market.
