Products Liability Insurance
Protect Your Business from Costly Claims With Products Liability Insurance
If your business sells, manufactures, or supplies products, you could be held legally responsible if a product causes injury, illness, or property damage. Without the right insurance, a single claim could result in huge financial losses and legal complications.
At ABA Insurance, we provide specialist Products Liability Insurance to protect businesses from product-related claims, ensuring your financial security and reputation remain intact. Whether you manufacture goods, sell products online, or distribute items to retailers, our policies offer tailored protection against unforeseen risks.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Products Liability Insurance?
Products liability insurance provides financial protection if a product your business designs, manufactures, distributes, or sells causes harm to a customer or damages their property.
Even if your business did not directly manufacture the product, you could still be held legally responsible for faults, defects, or improper usage warnings. This insurance covers the cost of compensation claims, legal fees, and damages, ensuring your business is protected.
Who Needs Products Liability Insurance?
Manufacturers – If your company produces goods, you are responsible for ensuring they are safe.
Retailers and e-commerce businesses – Selling a faulty product can lead to costly legal action, even if you did not make it.
Wholesalers and distributors – If a product you supply is defective, you could be held accountable.
Importers – If you import products from outside the UK, you are legally responsible for their safety.
No matter what stage of the supply chain your business is in, products liability insurance safeguards your business from unexpected claims.
Why is Products Liability Insurance Important?
Protection Against Compensation Claims
If a customer is injured, falls ill, or suffers property damage due to a product you supply, you could be liable for medical expenses, repairs, and legal fees.
Legal Compliance and Risk Management
While products liability insurance is not legally required in the UK, many retailers, trade contracts, and suppliers will require proof of cover before working with you.
Financial Security Against Unexpected Costs
Defending a single liability claim can cost thousands of pounds, even if the claim is unfounded. Having products liability insurance ensures your business does not face financial ruin due to legal fees and compensation payouts.
Protection for Startups, Small Businesses and Large Enterprises
Whether you are a small startup selling handmade goods or a large manufacturer supplying nationwide retailers, ABA Insurance offers tailored coverage for all business sizes.
Get The Right Business Insurance
What Does Products Liability Insurance Cover?
Injury or Illness Caused by Your Product
Covers compensation claims if a product causes harm, allergic reactions, or illness to customers.
Damage to Third-Party Property
Protects against claims if a product damages a customer’s home, business, or belongings.
Legal Fees and Defence Costs
Covers the cost of solicitors, court proceedings, and settlements if your business is sued.
Faulty Product Compensation
Pays out for manufacturing defects, design flaws, or incorrect labelling that lead to claims.
Cover for UK and International Sales
If your business exports or sells products globally, we can include international coverage.
Product Recall Support
Optional add-on that helps cover the costs of recalling defective products from the market.
How To Select The Right Products Liability Insurance
Concerned About Being Sued for a Faulty Product?
Even if you did not manufacture a product, your business could still be held responsible. ABA Insurance ensures you are protected against unexpected legal action.
Unsure if You Need Products Liability Insurance?
Many businesses assume they are not at risk, but even resellers and online sellers can be liable. Our team provides expert advice to ensure you have the right level of protection.
Looking for Affordable Insurance Without Hidden Costs?
We provide transparent pricing with no hidden fees, offering competitive rates based on your business size and product range.
Worried About Slow Claims Processing?
ABA Insurance ensures fast and efficient claims handling, helping your business resolve disputes quickly and professionally.
Why Choose ABA Insurance for Products Liability Insurance?
Industry Expertise
We specialise in business liability insurance, ensuring you receive the best advice for your specific industry.
Tailored Cover
Our policies are customised for manufacturers, retailers, and distributors, covering all stages of the supply chain.
Competitive Pricing
We work with multiple insurers to find you the best value without compromising on protection.
Quick and Simple Quotes
Our streamlined system provides fast, hassle-free quotes so you can get covered immediately.
24/7 Support and Legal Helpline
Access round-the-clock assistance whenever you need expert legal advice or need to make a claim.
How Much Does Products Liability Insurance Cost?
The cost of products liability insurance depends on several factors, including:
The type of products you sell – Higher-risk items such as food, cosmetics, and electrical goods may have higher premiums.
Annual turnover – Businesses with higher revenue often require higher coverage limits.
Where your products are sold – Selling internationally may require additional protection.
Claims history – A history of previous claims may affect the cost of your premium.
At ABA Insurance, we offer tailored policies at competitive prices to suit your business’s unique needs.
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Products Liability Insurance Today
Protect your business and reputation with specialist products liability insurance from ABA Insurance. Get a fast, no-obligation quote in minutes, or speak to our expert team for tailored advice.