Product liability insurance for manufacturers
Liability protection for manufacturers, exporters and sellers when products allegedly cause third-party injury or property damage.
Start with the business behind the policy
A defective or allegedly unsafe product can create bodily injury, property damage, legal costs, recall pressure and reputational harm. Product liability insurance addresses defined third-party liability, but product descriptions, territories and contractual obligations must be accurate.
Umber works with manufacturers to understand what is made, where it is sold, how it is used and what quality controls and contracts sit behind it.
Who should review this cover
- Pharmaceutical and healthcare manufacturers
- Food and beverage producers
- Packaging and component manufacturers
- Engineering and auto-component companies
- Exporters selling into overseas markets
- Brand owners and contract manufacturers
What the cover may include
Use this as a starting point. The selected policy wording and your declared circumstances determine what is covered.
- Covered third-party injury or property damage
- Legal defence costs subject to policy terms
- Products and sales territories declared
- Vendors or additional interests when endorsed
- Completed operations where applicable
- Recall only under separate/specific cover
The details worth a closer look
- 01
Incorrect product or turnover declarations
- 02
US/Canada and other jurisdiction restrictions
- 03
Efficacy, guarantee and pure financial-loss exclusions
- 04
Recall costs not automatically covered
- 05
Contractual indemnities wider than the policy
- 06
Known defects or circumstances
When you need support
- Capture complaint, batch and quality-control evidence
- Coordinate legal response and insurer notice
- Preserve samples and supply-chain records
- Separate liability, recall and commercial remediation costs
Your questions,
answered clearly.
A question is
a good place to start.
Tell us what you’d like to review. We’ll help you work through the next step.
General information only. Cover is subject to the selected policy wording, disclosures, underwriting, exclusions, warranties and deductibles.