Your product injures a customer. You are liable — regardless of fault
Product Liability — An Underestimated Risk
Typical Risks
Design Defect
A design flaw in the product causes injuries to end customers.
Manufacturing Defect
A faulty production batch leads to property damage for the user.
Instruction Defect
Inadequate warnings or operating instructions cause accidents.
Recall Costs
A product recall can cost millions — the insurance covers the costs.
Product Liability Insurance Benefits
Personal Injury
Treatment costs and compensation for pain and suffering caused by injuries resulting from your products.
Property Damage
Damage to third-party property caused by defective products.
Recall Costs
Costs for government-ordered or voluntary product recalls.
Legal Defense
Coverage of costs for the legal defense against unjustified claims.
Recall Costs
Coverage of costs for product recalls — an existential risk for manufacturing companies.
Extended Products
Coverage also for damages caused by defective assembly or operating instructions.
Which companies are eligible?
Manufacturing Industry
Manufacturers of machinery, consumer goods, food, and electronics.
Importers
Anyone importing products from abroad is liable as the manufacturer.
Trade
Trading companies with private labels or no-name products.
Suppliers
Component suppliers are liable for their contribution to the end product.
What is covered?
Versichert
- Personal injury and property damage caused by defective products
- Consequential financial losses arising from personal injury or property damage
- Costs for product recalls (depending on the policy)
- Damage caused by inadequate instructions and warnings
- Extended product liability for international coverage (EU/worldwide)
- Legal defense costs
- Damage caused by supplier components incorporated into your own product
- Continued liability for products already placed on the market
Nicht versichert
- Warranty and guarantee claims
- Pure financial losses without personal injury or property damage
- Damage to the defective product itself
- Intentionally defective production
- Damages from deliveries to the US/Canada (without international extension)
- Contractual penalties and liquidated damages
How we protect your products
Product Analysis
Which products do you manufacture? Which markets do you supply?
Risk Assessment
Analysis of the specific liability risks of your product range.
Insurer Selection
Specialized industrial insurers with industry expertise.
Policy Design
Tailored policy covering your product groups and sales markets.
Frequently Asked Questions
Request Consultation
Free and non-binding — we will get back to you within 24 hours.
Secure Product Liability Coverage
Protect your business from the consequences of defective products.