- 1.415.475.4300
- info@ppibcorp.com
Professional Program Insurance Brokerage
Division of Specialty Program Group, LLC
Products Liability Insurance
Products Liability Insurance Programs
Why do I need Products Liability?
If you manufacture, distribute, private label, or sell products, product liability insurance is essential to protect your business. This coverage safeguards you from financial losses if a product you offer causes injury or property damage to a customer. Without the right product liability insurance, your business could face costly lawsuits, legal fees, and damages if a product is found defective or unsafe. Protect your business with tailored product liability insurance designed to cover these unique risks.
Why Choose PPIB For Your Products Insurance?
At PPIB, we specialize in product liability insurance and product recall insurance for businesses like yours. Our policies are designed to protect your business from a wide range of risks, including product defects, recalls, cyber threats, property damage, and more. We work closely with you to customize coverage that fits your specific operations, whether you’re a small startup or an established manufacturer or distributor. With PPIB, you get expert guidance, personalized service, and comprehensive insurance solutions to keep your business protected every step of the way.
What Products Can Be Covered Under Products Liability Insurance?
Professional Program Insurance Brokers (PPIB) offers insurance coverage for all types of products, including:
Beauty & Skincare
Animal Supplements
Tattoo Pigments & Devices
Adult Novelty
CBD Edibles
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 product listed? Contact us to find out if it fits our program.
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
Frequently Asked Questions
Products Liability Insurance protects your business against claims alleging that a product you 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 hands through its use in the marketplace.
Yes. We understand that no two businesses are alike, which is why we tailor coverage to fit your specific operation. Whether you’re a small startup or an established manufacturer, we build policies around the size of your business, the types of products you make or distribute, and the unique risks they present. We also design coverage with room to grow, so as your product lines expand or your revenue increases, your policy can scale with you.
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:
- 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.
- 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
- 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.
- 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.
Yes, at any time during your policy term, you can contact PPIB and request an endorsement. Additional forms and/or payment may be required.
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 your insurance quote and policy and understand the exclusions and limitations that may apply.
Click the Apply now button and fill out our online application. Your application will be submitted to us and a copy will be emailed to you. Our typical turnaround time to get a quote is 2 – 4 business days. If you need a quote sooner, call our office after submitting your application and let us know it’s urgent.