You designed it, manufactured it, or put your name on it — and when it causes harm, you are responsible. Product liability is one of the most serious risks any business in the supply chain can face, and it can arrive years after the product left your facility. A single defective product that injures a consumer can generate a lawsuit worth millions, and if the defect is widespread, class action exposure can threaten the existence of even a well-established business.
What Does Product Liability Insurance Cover?
- Bodily injury caused by a defective or dangerous product you made, sold, or distributed
- Property damage caused by a product failure or malfunction
- Design defect claims alleging the product was inherently dangerous
- Manufacturing defect claims for errors in the production process
- Failure to warn claims for inadequate safety instructions or labeling
- Legal defense costs from the first demand letter through trial
- Product recall costs for withdrawing a dangerous product from the market
- Claims from retailers and distributors in the supply chain who are named alongside you
Strict Liability Means You May Be Responsible Even Without Fault
Under Florida law, product liability cases can proceed under strict liability — meaning the plaintiff does not have to prove that you were negligent. They only have to prove that the product was defective and that the defect caused their injury. This makes product liability one of the most significant and unpredictable exposures any business in the manufacturing or distribution chain can face.
Who Needs Product Liability Insurance?
Any business that manufactures, imports, distributes, or retails physical goods needs product liability coverage. This includes manufacturers of all types, importers and wholesalers, retailers (especially those selling goods under private labels), food and beverage producers, supplement and cosmetic brands, and e-commerce sellers. Many large retailers and e-commerce platforms now require vendors to carry minimum product liability limits as a condition of selling on their platforms.
Get Product Liability Insurance in Orlando, Florida
Insure USA, Inc. is an independent agency serving Orlando and all of Florida. We compare Product Liability Insurance options from multiple top-rated carriers. Call (321) 235-7377 or request a free quote online.