Protect Against Product Claims

📦 Product Liability Insurance

Cover your business against claims arising from bodily injury or property damage caused by products you manufacture, distribute, or sell.

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🤝Dedicated Claims Manager

🧾GST Input Credit eligible

What Is It?

Understanding Product Liability Insurance

Product Liability Insurance protects manufacturers, distributors, retailers, and suppliers against claims of personal injury or property damage caused by products they make or sell. In an increasingly litigious environment, a single product defect claim can devastate a business. Product Liability ensures you can respond to such claims without financial ruin.

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Key Numbers

Quick facts that matter for your business decision.

3 min

Policy Issuance

30+

Insurer Options

₹500Cr

Claims Settled

10K+

Happy Clients

Coverage Details

What's Covered

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Bodily Injury Claims

Covers medical expenses, lost wages, and compensation for customers who suffer physical injury due to a defective product.

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Property Damage

Protection for claims where a defective product damages the customer's property or third-party property.

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Legal Defense

Covers full legal defense costs, expert witness fees, and court costs regardless of whether the claim succeeds.

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Product Recall Costs

Some policies include coverage for mandatory product recall costs including communication and replacement expenses.

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International Coverage

Extended coverage for products exported to international markets including the US, EU, and other jurisdictions.

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Consequential Loss

Covers consequential financial losses suffered by clients due to product failure in certain policy configurations.

Who Needs It?

Is This Right for Your Business?

This policy is essential for businesses across these sectors.

🏭 Manufacturers

📦 Importers & Distributors

🛒 E-Commerce Sellers

🍕 Food & Beverage

💊 Pharma Companies

🔧 Equipment Suppliers

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Flexible EMI options on annual premiums above ₹10,000

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GST Input Credit available on all business insurance premiums

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Dedicated Claims Manager assigned from day one

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Digital Policy

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Claims Support

FAQ

Common Questions about Product Liability Insurance

Do I need Product Liability if I only distribute products? ▾

Yes. As a distributor, you can be held liable even if you didn't manufacture the defective product. Product Liability covers you regardless of your position in the supply chain.

Does Product Liability cover product recall costs? ▾

Standard policies may not include recall costs. However, this can be added as an endorsement. Our advisors can help you choose the right level of coverage for your product risk profile.

Is Product Liability required for exports? ▾

Yes. Major markets like the US and EU often require Indian exporters to carry a minimum level of product liability insurance. We can arrange internationally compliant coverage.