Products Liability Insurance Readiness
Products Liability, Prepared With the Detail Underwriters Actually Ask For
We help manufacturers, importers, distributors, and sellers assemble product schedules, sourcing detail, sales by product line, and contract insurance requirements — before the conversation with a licensed insurance professional.
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Products liability covers claims that a product you made, imported, distributed or sold caused injury or property damage. Everyone in the chain of distribution can be named in a lawsuit, so manufacturers, importers, distributors, private-label brands and online sellers all carry this exposure.
Underwriters price products risk by product line and sales channel, and they want to know where goods come from and what testing stands behind them. Retailers and marketplaces add their own insurance requirements. A file organized around those questions lets a licensed producer present the business clearly.
How we help
Readiness first - placement by licensed professionals
We help you organize what you have and understand what may be needed. Coverage advice and policy placement are handled by licensed insurance professionals.
Who we help
- Manufacturers and contract manufacturers
- Importers and companies sourcing goods overseas
- Distributors and wholesalers
- Private-label and white-label brands
- E-commerce and marketplace sellers
- Contract packagers and co-packers
- Companies expanding into a new retail or big-box channel
Common situations
- A retailer or vendor is requiring additional insured status and indemnity language that has not been reviewed against the current file
- Sales by product line have never been separated, though underwriters ask for exactly that
- Goods are sourced overseas and the supply chain has not been documented
- The distinction between products liability and product recall exposure has never been mapped
- New product lines have launched since the last renewal without the file being updated
- Testing, certification, or compliance records are held in several places
- Prior claims or complaints exist but have never been compiled
Coverage
Coverages a producer commonly reviews
Every operation is different. These are the coverages typically discussed for this kind of risk; a licensed producer will recommend what fits yours.
General liability with products-completed operations
The core coverage for injury and property damage caused by your products, usually with its own aggregate limit.
Vendors endorsements
Extends your coverage to retailers and distributors that sell your products, often required by large retailers.
Product recall
Costs of recalling and replacing products. Standard general liability policies exclude recall, so it is written separately.
Umbrella liability
Additional limits above general liability, commonly required by big-box and national retailers.
Property and business income
Inventory, equipment and lost income at your locations and in warehouses.
Cargo / transit
Goods in transit from suppliers, including international shipments.
Before you call
What shapes your coverage
Imported goods
When the foreign manufacturer cannot be reached by a U.S. court, the importer or seller is often treated as the responsible party. Underwriters want supplier names, country of origin, and whether suppliers carry insurance that covers U.S. claims.
Sales by product line
Rates vary widely by product. Break out annual sales by product line and by channel (wholesale, retail, e-commerce, marketplace). It is often the first thing an underwriter asks for.
Contracts with retailers
Retailer and distributor agreements often require specific limits, additional insured status and indemnity. Review them against your policy before signing, not after a claim.
Testing and labeling
Testing reports, certifications, instructions and warning labels are central to defending a claim and to underwriting. Keep them together and current for every product.
Get Ready
Documents we help you gather
How It Works
A clear path from inquiry to coverage
Tell us about your situation
Share the basics through the short intake form.
We organize the details
We help assemble the documents a licensed professional will need.
Connect with a producer
A licensed insurance professional reviews your needs and handles placement.
Ongoing support
We help keep certificates and renewals organized over time.
Common Questions
Frequently asked questions
Does general liability cover my products?
Most general liability policies include products-completed operations coverage, but limits, exclusions and how your products are classified vary. Confirm the products aggregate limit and any product-specific exclusions.
Does products liability cover a recall?
No. Standard general liability excludes the cost of recalling products. Product recall coverage is written separately.
I import my products. Am I responsible if they cause harm?
Often, yes. When a foreign manufacturer is beyond the reach of U.S. courts, the importer or seller can be treated as the responsible party. Underwriters will want to know your suppliers and their insurance.
What is a vendors endorsement?
An endorsement that extends your liability coverage to retailers and distributors that sell your products. Many retailers require it before they will carry your products.
What do I need for a products liability quote?
Typically annual sales by product line and channel, product descriptions and intended use, sourcing details, testing and certification records, labels and instructions, retailer contract requirements, and claims history.
Related programs
Other Candor programs
Talk It Through
Prefer to talk it through?
Speak with Candor Insurance Brokerage Inc today.