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Essential cover for manufacturers, importers, distributors, and retailers
Protects against legal costs, compensation, and product recall expenses
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Product liability insurance covers your business if a product you supply, distribute, or manufacture causes injury, illness, or property damage to a third party. Even if you did not design or make the product — if your business placed it in the supply chain — you can be held legally responsible. It covers legal defence costs and any compensation awarded, which can be substantial even for claims that are ultimately unsuccessful.
The Consumer Protection Act 1987 places strict liability on producers and suppliers — you can face a claim even if you took all reasonable precautions. Retailers that import goods from outside the UK become the producer under UK law and inherit full liability for defects. Legal defence alone can cost tens of thousands of pounds, making product liability essential for any business in the supply chain.
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Key questions about product liability cover for UK businesses.