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Products Liability Insurance for Agents & Brokers

Tailored Coverage Solutions for Products Liability

Why Is Product Liability Insurance Critical?

Product liability insurance is essential for brokers placing coverage for clients who manufacture, distribute, private label, or sell products. This insurance protects your clients from significant financial exposure if a product causes injury, property damage, or other harm to consumers. Without adequate product liability insurance, your clients risk costly lawsuits, legal fees, and potential settlements that could jeopardize their business. Ensuring your clients have tailored product liability insurance coverage helps safeguard their operations against these risks.

Why Partner with PPIB for Product Liability?

At PPIB, we provide brokers with specialized product liability insurance and product recall insurance solutions designed to meet your clients’ unique needs. Our experienced team offers expert guidance and responsive service to help you secure the right coverage for businesses ranging from startups to established manufacturers and distributors. In addition to product liability insurance, we offer comprehensive product recall insurance, property coverage, cyber liability, hired/non-owned auto, and more—giving you the tools to build robust insurance packages that protect every aspect of your clients’ operations.

What Products Can Be Covered Under Products Liability Insurance?

Professional Program Insurance Brokers (PPIB) offers insurance coverage for all types of products, including:

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Beauty & Skincare

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Animal Supplements

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Tattoo Pigments & Devices

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Adult Novelty

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CBD Edibles

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Dietary Supplements

Additional Products We Can Cover

  • Jewelry for Piercing & Permanent Jewelry
  • Permanent Makeup Supplies
  • Dental Products
  • Beauty Devices
  • Non-invasive Medical Equipment
  • Nutraceuticals
  • Personal Protective Equipment
  • Pet Products
  • CBD Oils / Tinctures
  • Essential Oils / Incense / Candles
  • Health Foods
  • Fitness Accessories

AND MORE!

 Don’t see your client’s product category listed? Contact us to find out if it fits our program.

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Operations We Can Cover for Products Liability Insurance
Offered Nationwide:

  • Manufacturers
  • Distributors
  • Retailers
  • Private Labeling
  • Importers
  • Hemp Cultivation Facilities

Coverage We Can Offer for Products Liability Insurance
Offered Nationwide:

  • $5,000,000 / $5,000,000 Limits
  • General Liability
  • Property
  • Cyber Protection
  • Hired / Non-Owned Auto
  • Sexual Abuse & Molestation
  • Product Demonstrations

Why Products Liability Insurance with PPIB?

  • Knowledgeable claims handling and underwriting staff
  • Customizable Coverage Options
  • Online Portal Access
  • Nationwide Reach
  • Dedicated support to assist you every step of the way
SUBMIT APPLICATION

Submit Your Application in 3 Easy Steps

Fill out Application

Click here to download application and complete

Complete Applicable State Form

Click here to access
state forms

Email Application & State Form

Email the Application to submissions@ppibcorp.com

Frequently Asked Questions

Products Liability Insurance protects your client’s business against claims alleging that a product they manufactured, distributed, or sold caused bodily injury or property damage to a third party. This includes legal defense costs, settlements, and judgments. Coverage applies across the product’s lifecycle, from the time it leaves your client’s hands through its use in the marketplace.

Yes, products liability insurance policies typically have exclusions or limitations that outline specific situations or circumstances where coverage may not apply or may be limited.

It’s important to carefully review the insurance quote and policy and understand the exclusions and limitations that may apply.

The cost of products liability insurance can vary based on several factors. Insurance providers consider these factors when determining the premium for a policy. Here are some key factors that influence the cost of products liability insurance:

  1. Size and scope of business – The size of your business, whether you have a small retail shop or you are a large manufacturer can impact the insurance cost. Larger risks may have higher premiums due to an increased risk and liability.

  2. Type of products – Some products carry greater inherent risk than others, particularly those that are ingested, implanted, or come into prolonged contact with the body, as claims arising from these products tend to be more severe and complex. As a result, the nature and risk profile of the products you manufacture or distribute will directly impact your insurance premium

  3. Claims history – Insurance companies consider the claims history of your product business when determining the cost of coverage. If you have a history of claims, it may result in higher premiums.

  4. Safety measures and risk management practices – Insurance providers assess the safety measures and risk management practices implemented by your business. Having robust safety protocols and regular maintenance practices can help lower insurance costs by reducing the likelihood of accidents and claims.

We prefer you complete PPIB’s application for us to provide accurate terms. Since we have customizable coverage to offer your clients, we have specific questions we need answered. Therefore, we have created a specific application to obtain all the information we need to provide an accurate quote for your clients. Acord applications and other supplemental applications are missing many of the important questions to help obtain critical information to determine accurate terms. This is why we prefer our PPIB Products Liability application to be completed to obtain a quote. We want to make sure the quote we are providing has the most accurate terms for you to bring to your client.

Once you have a completed application email the application to submissions@ppibcorp.com.

To become appointed, we will need a copy of your Agency’s license, copy of declarations page or certificate of insurance of Agency’s E&O, W-9  and a Producer Profile Form completed. Please click here to access our New Producer Profile Form

No, we can offer you a quote without you being officially appointed, but we will need to have you appointed in order to bind.

A list of the binding requirements will be provided on the quote, in a section on the last page of the letter, advising what is needed in order to bind coverage.

Our carriers require us by contract to file all surplus lines taxes. However, brokers with Surplus Lines Licenses may be able to file taxes.

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