What is Product Liability insurance?
What can Product Liability insurance cover?
- Legal fees and settlements
- Medical costs from product injuries
- Property damage caused by products
How much does Product Liability insurance cost?
Starting at $19/month†
Buy online in about 10 minutes, and cancel anytime.
Who needs insurance for product liability most?
- Businesses who sells or distributes products to consumers
- Anyone who makes, manufactures or repairs consumer products
- Product designers
Product Liability insurance could help protect your business from the costs of:
Legal fees and settlements
If a defect with a product you make or sell causes injuries or damage and you have to go to court to defend your business.**
Medical costs from product injuries
If a product defect causes injuries to your customer, it could help cover these fees.
Property damage
If a defect with a product you sell or make causes damage to your customer’s property, this could be covered by your policy.
What does General Liability with Product Liability insurance cost?
The cost of product liability insurance, included in your ERGO NEXT general liability insurance policy, can vary based on a number of factors, including:
- The types of products you make or sell
- Your annual business revenue
- Your type of business operations
- Location of your business
- Your insurance claims history
How to buy General Liability insurance with Product Liability online
Start a free online quote
In about 10 minutes you’ll see the exact price you’ll pay for general liability with product insurance online.
Customize your coverage
Adjust your policy limits and deductibles to pick the right coverage at the right price.
Buy 100% online
Your coverage is effective after payment. And your certificate of insurance can be shared at no extra cost.
Who needs insurance for product liability?
Retail shops and kiosks
Even if you don’t make or manufacture the products you sell, if your retail store is part of the supply chain, you can still be held liable for product defects that cause injury or damage property.
Online product sellers and resellers
Almost any product has the potential to cause injury or damage. If a child chokes on part of a toy bought in your e-commerce shop, Amazon shop or Etsy store and needs emergency intervention, you could need legal defense.
Craft vendors
Small-batch or imported product distributors, such as a bath soap sold at a craft fair, could also cause a problem for customers. If your products cause an allergic reaction that requires medical care, you could be held liable for the medical costs.
Wholesalers
If you’re part of the product supply chain that causes problems — such as illness from expired food that merits a doctor visit, or electronic equipment that causes fire damage to a customer’s home — a wholesaler could be responsible for damages.
Product Liability insurance FAQ (frequently asked questions)
Can you buy Product Liability insurance as a standalone policy?
No. Product liability insurance is part of ERGO NEXT’s general liability insurance coverage.
In addition to coverage for design defects and defective products, your business can also be protected for other liabilities, including damage to other people’s property and medical costs for non-employees injured at your business. Product liability coverage can’t be purchased on its own.
What’s not covered by Product Liability insurance for small businesses?
Product liability insurance can help a lot, but it does not cover all types of damage or injuries. Some exclusions include:
- Misuse of the product. If a product is used in a way that the manufacturer did not intend, injuries or damage would be excluded.
- False advertising claims. If a maker or seller promotes untrue information about their product and property damage or injuries occur, it would not be covered by the policy.
- Employee injuries. Workers’ compensation insurance, required to cover employees in most states, can help with protection over workers who suffer a work-related illness or injury.
- Product recall costs. This would be covered by a separate policy specifically designed to cover recalls.
How do I get Product Liability insurance coverage?
Product liability insurance is included with ERGO NEXT’s general liability insurance policy for retailers and online sellers. You cannot buy product liability on its own.
You can get general liability coverage 100% online in about 10 minutes. And get your certificate of insurance immediately after payment at no additional cost.
Start an insurance quote to see options and an exact price customized for your business. If you like what you see, you can adjust the coverage limits and buy. Your insurance will begin immediately after payment.
If you have questions, our licensed, U.S.-based insurance professionals are available to help.
How do I make a Product Liability insurance claim?
You can file a product liability claim anytime online or in the ERGO NEXT app.
You’ll be asked to share the details of what happened and to provide relevant photos and documentation. We strive to make claims decisions as quickly as possible so that you can get back to work.
When will I get my policy and proof of insurance?
It takes about 10 minutes to get a quote, buy coverage and get access to policy documents and your certificate of insurance (COI).
You can access your documents and COI 24/7 online or in the ERGO NEXT app for iPhone or Android.
ERGO NEXT Insurance reviews
Satisfied Customer
Best business insurance with the easiest process!
Stephen H.
Small business insurance
I thought ERGO NEXT was easy to use, great rates and outstanding follow-up.
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Small start up
Thanks for helping a small startup. Was able to get the insurance I need for a cost I could afford.
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Easy to use
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Great!
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Peace of mind
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Easy & affordable
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Easy to sign up and has what I need.
Only took about 10 minutes to have all my questions answered and get the plan I need for my business. Great price and easy to understand plan.
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