Product Liability Insurance

Specialty liability insurance solutions tailored to your needs.
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A single product mishap can lead to significant financial and reputational damage; don’t let that be your story.

Our custom liability insurance solutions provide a safety net, allowing you to manage a crisis effectively and maintain customer trust.

The Importance of Product Liability Insurance Coverage

Product manufacturers, distributors and/or sellers may be held legally liable for injuries, death or damages suffered by customers and others from their products. Product liability insurance solutions provide protection for costs associated with incidents, accidents, or lawsuits related to these products, up to policy limits.

With XINSURANCE, you can have an all-in-one policy that provides customized coverages built into one policy! We can also fill the gaps and cover the exclusions in your insurance policy that other insurance companies can’t or won’t provide. Whatever you need, we can help to find the best product liability insurance solution for you!

Who Should Have Product Liability Coverage?

The following types of businesses should have product liability coverage to protect against claims of personal injury or property damage caused by their products.

  • Manufacturers
  • Distributors
  • Wholesalers
  • Sellers
  • Importers
  • And More!
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Product Liability Coverage Options

Products Liability

Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

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How To Get A Quote

Request Your Quote

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Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQs About Product Liability

What is product liability?

Product liability is a type of insurance coverage that protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or third-party property damage. It is typically for manufacturers, distributors, suppliers, retailers, and others who make products available to the public.

Why do I need product liability insurance, and is it required by law?

Product liability insurance is crucial for protecting your business from financial losses due to claims of harm caused by your products. While not always legally required, it is strongly recommended and may be mandated by your industry standards or business partners.

Who is liable when a product fails and causes damage?

Liability can be assigned to any party in the product’s chain of distribution, including the manufacturer, wholesaler, or retailer depending on where the fault originated.

Are all products eligible for product liability insurance?

Most products are eligible, but some high-risk items might be harder to insure or require a specialized insurance solution. XINSURANCE specializes in high-risk insurance solutions so if you have a high-risk item that you are struggling to get product liability coverage for, we may be able to help!

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

How much does product liability insurance cost?

The cost of product liability insurance varies based on factors such as the type of products, volume of sales, the business’s role in the supply chain, the coverage limits, the claims history, and more. It’s best to contact us and tell us more about your business and product so we can provide a more accurate and personalized quote.

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What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service

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