Pharmaceutical and healthcare manufacturers
Review the exposures, values and operating details that change how insurers assess this risk.
Products and exports
Product liability insurance for manufacturers
Liability protection for manufacturers, exporters and sellers when products allegedly cause third-party injury or property damage.
Cover review
Wording before price. Support after placement.
Responsive supportClear next steps from review to claim
Structured comparisonTerms, limits, deductibles and exclusions
IRDAI licence 1103North India service100+ years combined experienceDedicated claims support
Start with the real exposure
The wording must match the business behind it
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.
“A policy works as a programme: values, wording, extensions and claims preparation must support one another.
Who we help
Who should examine this cover
Every recommendation begins with the activity, scale, locations and contracts—not a generic product label.
Food and beverage producers
Review the exposures, values and operating details that change how insurers assess this risk.
Packaging and component manufacturers
Review the exposures, values and operating details that change how insurers assess this risk.
Engineering and auto-component companies
Review the exposures, values and operating details that change how insurers assess this risk.
Exporters selling into overseas markets
Review the exposures, values and operating details that change how insurers assess this risk.
Brand owners and contract manufacturers
Review the exposures, values and operating details that change how insurers assess this risk.
The Umber programme
Understand what the programme may include
A single uncovered dependency can affect several policies. We look at how each part responds alongside the others.
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
One coherent
risk programme
risk programme
Before placement
What we examine with you
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 a claim happens
Support through the critical steps
Early action, accurate records and one clear chronology help everyone move with less confusion.
Understand
Capture complaint, batch and quality-control evidence
Notify & coordinate
Coordinate legal response and insurer notice
Document
Preserve samples and supply-chain records
Follow through
Separate liability, recall and commercial remediation costs
Buyer questions
Clear answers before you decide
These are starting points. The final answer always depends on the selected insurer’s wording and your disclosed circumstances.
Does product liability pay for recalling a defective product?
Not automatically. Recall expense normally needs separate product-recall coverage or a specific extension.
Do exporters need worldwide cover?
The policy territory and jurisdiction must match actual sales and contracts. Worldwide sales do not automatically mean every court jurisdiction is covered.
What information do insurers require?
Commonly product descriptions, turnover by territory, claims history, quality certifications, contracts, testing, traceability and recall procedures.
Start with what you already have
Talk to Umber Insurance should fit the actual risk.
Share your current policy, asset schedule or requirement. Umber will help you identify the next useful step.
General information only. Insurance coverage is subject to the insurer’s policy wording, proposal disclosures, underwriting, exclusions, warranties, deductibles and applicable law. Umber Insurance Brokers Private Limited · IRDAI License No. 1103.