Looking for Product Liability Insurance?
Protect your business from costly product claims and retailer compliance issues. Get fast, affordable coverage and instant proof of insurance. Whether you’re a manufacturer, distributor, or e-commerce seller, Harper Insure helps ensure you're covered against injuries.
What is Product Liability Insurance?
Product liability insurance provides protection for businesses against claims arising from the products they manufacture, distribute, or sell. It covers costs related to injury, property damage, or financial loss caused by a defect in the product. Whether your business is local or global, product liability insurance safeguards against potentially costly legal claims and settlements.
Injury or Property Damage Cove
If a product you manufacture, distribute, or sell causes injury or property damage, product liability insurance covers.
Legal Defense and Settlements
Product liability insurance helps cover the costs of legal defense and any settlements or judgments that may arise.
Product Recall Protection
Product recalls are expensive. Harper Insure offers recall coverage to protect your business and reduce losses.
Manufacturing & Labeling Error
Manufacturing or labeling errors can lead to product defects and potential liability claims.
Who Needs Product Liability Insurance?
- Manufacturers & Producers : Businesses and professionals requiring product liability insurance coverage
- Distributors & Importers : Businesses and professionals requiring product liability insurance coverage
- E-Commerce Sellers : Businesses and professionals requiring product liability insurance coverage
- Private-Label Brands : Businesses and professionals requiring product liability insurance coverage
- Wholesalers : Businesses and professionals requiring product liability insurance coverage
Why Harper?
Fast, Affordable Coverage
At Harper Insure, we understand the risks product-based businesses face, whether it’s a manufacturer, distributor, or seller. We offer affordable product liability insurance that ensures quick and reliable coverage, protecting your business from costly claims. Whether you’re dealing with a recall, a defect, or any product-related claim, we have flexible plans that provide the coverage you need without unnecessary delays or high costs.
Nationwide Compliance
Harper Insure is licensed to provide product liability insurance in all 50 states, making sure that you comply with state-specific regulations. Whether you're a local manufacturer or an e-commerce seller operating nationwide, we make sure that your coverage meets all requirements, from product defects to claims of injury, so you can operate confidently without worrying about compliance.
Same-Day Certificates
One of the biggest challenges for product-based businesses is meeting retailer or vendor requirements. Harper Insure makes it easy by offering same-day certificates of insurance. As soon as your policy is approved, you’ll receive a digital certificate immediately, ensuring that you can quickly upload it to marketplaces like Amazon or share it with your vendors or clients.
Flexible, Tailored Coverage
Each product business has unique risks depending on what they manufacture, distribute, or sell. Whether you're handling consumer goods, electronics, or cosmetics, Harper Insure offers flexible coverage options tailored to your specific needs. From standard product liability coverage to specialized endorsements for recalls or defects, we ensure you get the right protection for your products.
Frequently Asked Questions
What is product liability insurance?
Product liability insurance covers manufacturers, distributors, and sellers against claims that arise from injuries, damages, or financial losses caused by their products. It helps cover legal costs, settlements, and damages related to product defects.
Do I need coverage if I don't manufacture?
Yes — even distributors and sellers can be held liable for defective products. If a product you distribute or sell causes harm or damage, product liability insurance ensures you are covered, even if you didn’t manufacture the product.
How much does product liability insurance cost?
The cost of product liability insurance depends on your product type, sales volume, and industry risk. For example, small e-commerce sellers may pay $350–$700 per year, while larger manufacturers may pay $1,000–$3,000 per year.
Does it cover product recalls?
Some policies include recall protection or offer it as an add-on. Harper Insure offers recall endorsements that can be added to your product liability policy for added protection.
What limits should I choose for product liability
Retailers and vendors often require a minimum of $1M per occurrence and $2M aggregate coverage. We’ll help you determine the best coverage limits for your business.
How fast can I get product liability coverage?
Many clients receive their product liability insurance certificate the same day they apply. Harper Insure ensures fast approvals and quick processing for immediate coverage.
