How Does Product Liability Insurance Work?

Product liability insurance is a financial safety net that protects businesses when their products cause harm to people or property. Whether you are a manufacturer, wholesaler, or seller, this coverage guarantees you are not solely responsible for legal defence costs or settlements due to product-related claims.

Understanding the Protection Behind Product Liability Insurance

When someone claims that your product caused injury or damage, here is what typically happens:

1. Incident Occurs

A consumer experiences harm like burns, allergic reactions, or property damage, allegedly caused by your product.

2. Claim Filed

The affected party files a lawsuit or legal complaint against your business.

3. Insurance Kicks In

Your product liability insurance provider steps in to:

Investigate the claim
Provide legal defence
Cover damages, medical costs, or court-ordered payouts (up to your policy limits)

Your Insurance Expert

We deliver tailored advice to fit our clients’ requirements and ensure they understand the options available to them. Contact us for a free personalized assessment of your policy needs.

Why Choose Us?

We at Azure Risk combine deep industry expertise with a commitment to understanding your business. Partner with us to protect your operations and reputation with a policy that evolves alongside your company’s ambitions.

Get in touch today to learn how our Freight Forwarders Liability Insurance can safeguard your business, your cargo, and your peace of mind.

What Is Typically Covered?

Bodily injuries caused by product defects.
Property damage linked to your product.
Legal defence costs (attorney fees, settlements, judgments).
Design, manufacturing, and labelling errors.

What Is Not Covered?

Faulty workmanship (if the product itself does not cause the damage)
Recall expenses (usually covered under a separate policy)
Intentional wrongdoing or fraudulent misrepresentation

Get Covered with Confidence at Azure Risk

At Azure Risk, we go beyond providing insurance. We deliver strategic advisory and tailored support to help businesses assess, select, and optimise their product liability coverage. From agile startups to established enterprises, we have guided clients across sectors through complex policy terms to secure protection that aligns with their operational risk.

Reach out today to discuss your product risk and let our team help safeguard your business from unforeseen claims.