Insurance for liabilitiesCovers the manufacturer against financial loss if their product is faulty.

What is Product Liability Insurance?

Indemnifies the manufacturer if the consumption of his/her product causes harm or financial loss to a consumer. Who is this for? It's suitable for anybody who is at risk of financial loss due to damage to third party property or third party bodily injury.
What's in it for you?
  • Damage to or loss of their property
  • Bodily injury including illness or death directly resulting in connection with the insured’s business
  • This policy covers the insured in respect of any legal liability which may be incurred to third parties as a result of the insured’s negligence and supply of dangerous products resulting into:

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    How do I apply?
    • Your name
    • Type of organization
    • Phone contact and email address
    • Limit of liability

    Below is what we need from you for our sign up process:

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    TALK TO USMake sure you are covered against all odds. Get in touch with us today.Want to know more about Product Liability?If you want to know more, we've answered a question you might have.

      1. Repair Replacement and Recall

      (a)for the costs of recalling replacing repairing removing the Insured's Product if such Property Damage is attributable to any known or suspected defect or deficiency therein

      (b)for the cost of rectifying defective work carried out by or on behalf of the Insured

      (c)for Property Damage to any of the Insured’s Products if such Property Damage is attributable to any known or suspect defect or deficiency therein

      2. Aviation Products

      Arising from products directly connected with this safety propulsion or navigation of any aircraft

      3. Radioactive Contamination

      Directly or indirectly caused by or arising from

      (a)ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel

      (b)the radioactive toxic explosive or other hazardous properties of any nuclear assembly or nuclear component thereof

      4. War

      For any consequence of war invasion act of a foreign enemy hostilities (whether war be declared or not) civil war rebellion revolution insurrection or military or usurped power

      5. Asbestos

      In respect of any loss demand claim or suit arising out of or related in any way to asbestos or materials containing asbestos. The Insurer shall have no duty to indemnify the Insured with respect to any such loss demand claim or suit.

      Notwithstanding the above in respect of the removal or control of asbestos found within any premises owned by the Insured this Exception shall only apply to those claims arising in consequence of inhalation of asbestos fibre or damage to or loss of use of property due to the presence of asbestos

      6. Professional Liability

      Arising out of professional advice design service or specification given for a fee but this Exception shall not apply to:

      (a)claims for Personal Injury or Property Damage

      (b)the rendering of or failure to render professional medical advice by any person employed by the Insured to provide first aid or other medical services at the Insured's premises

      7. Pollution

      (a)Pollution and contamination

      (b)the cost of cleaning up the cost of cleaning up testing for monitoring removing containing treating detoxifying or neutralising any discharge dispersal release or escape of Pollution or its effects whether or not any of the foregoing are or should be performed by the Insured or by others

      (c)fines penalties exemplary or multiple damages relating to the circumstances detailed in (a) above but it is agreed that in respect of Occurrence(s) other than

      (i)those happening in the United States of America its territories and possessions or Canada; or

      (ii)those for Legionella which remains excluded there from

      (a) and (b) of this Exception do not apply if such discharge dispersal release or escape is sudden unintended and unexpected and arises in its entirety at a specific time and place from one Occurrence which would otherwise give rise to liability under this Section of the Policy

      8. Contractual Liability

      Assumed under any contract or agreement in respect of

      (a)Personal Injury or Property Damage arising from or caused by Products

      (b)Property Damage to contract or temporary works executed by the Insured

      unless such would have attached in the absence of such contract or agreement.

      9. Fines/Liquidated Damages/Penalties

      For fines liquidated damages or under any penalty clause