Product Liability Insurance

Product liability insurance can help protect a business from claims that the products they manufactured or sold caused bodily injury or damage to another person’s property. This insurance can cover design and manufacturing defects, strict liability, and improper warning about the use of the product for many industries including manufacturers, retailers, and wholesalers.

Tailored Product Liability Solutions


Berkley has a team of claims and underwriting experts who understand the risks facing businesses that make or sell products. We provide product liability insurance for a broad array of risks, including new products, discontinued products and products sold outside of the U.S. on either a stand-alone policy or included with general liability insurance.

Check out our Berkley Locator to discover which Berkley insurance business may be right for your General Liability insurance needs.

Product Liability Insurance Can Help Protect Your Business

Operating your business without product liability insurance can expose you to out of pocket expenses and financial risks. Any business that makes or sells products should have product liability insurance, which can help cover the costs of a customer’s medical bills, reimburse a customer for damage to their property, legal fees defending your business, and settlements or judgements made against your business. 


Product Liability enhancement coverages typically available include:

  • Products Pollution – affirmative coverage grants for containment type products and/or products deemed as pollutant. 
  • Worldwide Products Coverage – extension for product claims occurring and claims brought anywhere in the world. 
  • Manufacturer's E&O – can cover a manufacturing mistake or negligent service that results in a third party financial or economic loss. 
  • Care Custody Control (CCC) Coverage – extension for damage to Equipment/Customers Autos while being serviced and/or repaired. 
  • Limited Product Withdrawal Expense – can provide reimbursement for expenses related to a product recall. 
  • Canadian Cross-Border Coverage – extension for Canadian premises exposures.
Berkley Locator

Find your Berkley solution

If you have specific product or industry needs, use the Berkley Locator to find specialized insurance solutions for you.

What Our Customers Say

“I was very fortunate to have Preferred Employers Insurance take over my case. I was at a standstill until their team started handling my situation. The company is great at what they do and anyone else who has the pleasure of working with them will find out the same! Thanks again so very much!”

— Frank V.

Waste Water Operator, Planada Community Service District.

“Berkley One has been amazing!!! You have really gone above and beyond for us and made this very annoying accident as easy as possible.”

— Amy G.

Client in Illinois.

“I am incredibly pleased with the claim management, guidance, consult calls and quality of service we receive from Midwest Employers Casualty. The team is committed to prompt and efficient service - and is readily available for consult calls. The process is effortless, efficient, seamless and productive.”

— Tawanna B.

Senior Benefits Manager, Blue Cross Blue Shield of Michigan.

“Our Berkley Environmental Claims Adjustor has been incredibly responsive to us, and has clearly taken the time to research the particulars of this claim. She has contacted and spoken with our client, and has explained to him and to us what she has been able to determine from her thorough research of the information presented so far in this claim. I am thankful that we have a competent, professional, dedicated, and pleasant-to-work-with adjuster in our corner.”

— Mary F.

Business Manager, Tech Painting Co.