Our custom liability insurance solutions provide a safety net, allowing you to manage a crisis effectively and maintain customer trust.
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!
The following types of businesses should have product liability coverage to protect against claims of personal injury or property damage caused by their products.
Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.
Provides coverage for injuries and property damage sustained by third parties.
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
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 protection in the event of an accident and a claim is made against you. Learn more.
Coverage for claims regarding negligent acts and more. Learn more.
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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.
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.
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.
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!
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.
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.
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.
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.
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.
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.