Products Liability

Products Liability

Products Liability

Learn what Products Liability protects and why your business needs it. Ready for a quote? We'll help you understand your coverage options quickly and simply.

Learn what Products Liability protects and why your business needs it. Ready for a quote? We'll help you understand your coverage options quickly and simply.

Learn what Products Liability protects and why your business needs it. Ready for a quote? We'll help you understand your coverage options quickly and simply.

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What Is Products Liability?

Products Liability insurance helps protect your business if a product you make, sell, distribute, or label is blamed for causing bodily injury or property damage. It can cover legal defense and settlements, even if the claim turns out to be unfounded.

What Does Products Liability Cover?

It typically covers third-party injury or property damage tied to your product, plus attorney fees, court costs, and settlements or judgments. Coverage usually applies to accidents caused by design, manufacturing, or warning issues.

A customer is injured using your product

A retailer sells a kitchen gadget that breaks during normal use and cuts a customer’s hand. The customer demands medical costs and sues for pain and suffering.
A retailer sells a kitchen gadget that breaks during normal use and cuts a customer’s hand. The customer demands medical costs and sues for pain and suffering.

Your product damages someone else’s property

A contractor installs a valve you distribute. It fails and causes a leak that ruins flooring and cabinetry. The property owner seeks repair costs and alleges the part was defective.
A contractor installs a valve you distribute. It fails and causes a leak that ruins flooring and cabinetry. The property owner seeks repair costs and alleges the part was defective.

Claims tied to labels, instructions, or warnings

A skincare brand is accused of not warning about an ingredient reaction. Even if you believe the directions were clear, you may still need to defend the claim and respond to damages demands.
A skincare brand is accused of not warning about an ingredient reaction. Even if you believe the directions were clear, you may still need to defend the claim and respond to damages demands.

Key Features of Products Liability

Defense costs can be the biggest value

Lawsuits are expensive fast. Products Liability can help pay for attorneys, expert witnesses, and court costs while your business keeps operating.

Protection across your role in the supply chain

You do not have to be the manufacturer to be named in a lawsuit. Coverage can apply whether you make the product, import it, distribute it, repackage it, or sell it under your brand.

Helps meet contract and vendor requirements

Many retailers, marketplaces, and commercial customers require Products Liability limits before they will stock, list, or purchase your products.

Products Liability Made Simple

Everything you need to know about this coverage, from basic definitions to real-world application scenarios.

Is Products Liability the same as General Liability?

Products Liability is often included inside a Commercial General Liability policy, but it is not the same as the whole policy. General Liability is broader and can also address things like slip-and-fall injuries at your location or damage caused by your operations. Products Liability focuses on claims that your product caused harm after it was sold or distributed. The right setup depends on what you sell and how it is used.

What kinds of businesses usually need Products Liability in California?

Does Products Liability cover recalls?

Are claims covered if I did not manufacture the product?

What does Products Liability usually not cover?

What information do I need to get a Products Liability quote?

Is Products Liability the same as General Liability?

Products Liability is often included inside a Commercial General Liability policy, but it is not the same as the whole policy. General Liability is broader and can also address things like slip-and-fall injuries at your location or damage caused by your operations. Products Liability focuses on claims that your product caused harm after it was sold or distributed. The right setup depends on what you sell and how it is used.

What kinds of businesses usually need Products Liability in California?

Does Products Liability cover recalls?

Are claims covered if I did not manufacture the product?

What does Products Liability usually not cover?

What information do I need to get a Products Liability quote?

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.