Product Liability Insurance
Product liability insurance safeguards businesses financially against customer claims for injury, illness, or death. Compare quotes and protect your business.
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What is Product Liability Insurance?
Product Liability Insurance covers a business financially from any possible claims a customer might make if injury, illness or death occurs from the use of one of their defective products. A product can be classified as software, equipment or food that the business has supplied. If this occurs, the business will have the financials available to pay for any legal fees or medical costs that arise. Without this type of insurance, the business will have to use its own money.
When you purchase Business Insurance, consider including Product Liability Insurance. Do your research about the different policies available to you online today, and give yourself the peace of mind that comes with knowing your business is covered.
What Can a Customer Claim For?
Product Liability Insurance can help cover various financial losses if your product causes harm.
1
Medical Costs
Covering treatment for physical or psychological harm caused by a defective or unsafe product.
2
Long-Term Treatment
If medical care extends over a prolonged period, these ongoing expenses may be covered.
3
Loss of Income
Compensation for current and future loss of earnings if the injury prevents the individual from working.
4
Legal Costs
Reimbursement for legal expenses associated with pursuing a claim against your business.
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Who Needs Product Liability Insurance?
The type of businesses that would need Product Liability Insurance relate mainly to manufacturers, particularly those in the food, clothing, toys, equipment or any type of hazardous material sectors that can potentially cause harm to others.
Software, equipment or food
A product can be classified as software, equipment or food that the business has supplied.
Manufacturers and suppliers
This cover mainly relates to manufacturers, particularly those in the food, clothing, toys, equipment or hazardous material sectors.
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Business Guides
Compare Business Insurance and find a plan that meets your needs. Whether you want comprehensive cover or more focused shuttle business liability coverage, looking at multiple options online helps you make an informed decision.
Business Insurance Guide
Explore what’s covered and how to choose the right policy for your business.
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Protect Your Business Against Faulty Product Claims
What does Product Liability Insurance cover?
This insurance covers your business if a customer is harmed by a product you sell or supply. It pays for medical costs, legal defence, compensation for income loss, and long-term treatment related to the incident.
Who should take out Product Liability Insurance?
Businesses that make, distribute, or sell products—especially in food, clothing, toys, or industrial goods—should consider this cover. Even one defect could lead to a lawsuit or medical claim.
Why is this cover essential for small businesses?
Small businesses usually don’t have the cash reserves to deal with legal claims or compensation costs. This cover offers peace of mind by reducing financial risk if something goes wrong.
Get Peace of Mind with Product Liability Insurance
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Covers the difference (shortfall) between what your Medical Aid pays and what a specialist charges. Gap Cover is not a substitute for Medical Aid.
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*Based on independent research by Kaufman Levin & Associates 2025.
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