Product Liability Insurance

Product Liability Insurance helps protect your business from claims that a product you manufactured or sold caused bodily injury or property damage, covering exposures such as design or manufacturing defects, strict liability, and improper product warnings. This coverage is essential protection for manufacturers, retailers, and wholesalers alike—helping reduce financial risk and protect your reputation when the unexpected happens.

Tailored product liability solutions

Berkley’s specialized claims and underwriting experts understand the complex risks businesses face when they manufacture or sell products. With deep experience across a wide range of industries, our team is equipped to anticipate exposures, navigate evolving liabilities, and help protect your business from costly product‑related claims.

 

We offer product liability coverage designed to fit your needs—whether you’re introducing new products, managing discontinued lines, or selling internationally. Our solutions can be delivered as stand‑alone policies or integrated seamlessly within a general liability program, giving you flexible, comprehensive protection backed by Berkley’s expertise.

Worker cleans glass Worker cleans glass

Product liability insurance can help protect your business

If your business makes or sells products, even one defect can lead to costly claims and reputational damage. Without product liability insurance, you may face major financial exposure—from legal fees to injury or property‑damage settlements.


Product liability insurance helps cover medical bills, legal defense, and settlements tied to product-related incidents, whether caused by design flaws, manufacturing errors, or improper instructions. 

Our product liability enhancement coverages typically include:

  • Product Pollution – Provides affirmative coverage for containment‑type products and products classified as pollutants.
  • Worldwide Products Coverage – Extends protection for claims occurring or brought anywhere across the globe.
  • Manufacturer’s E&O – Helps cover financial or economic loss to a third party resulting from a manufacturing mistake or negligent service.
  • Care Custody Control (CCC) Coverage – extension for damage to Equipment/Customers Autos while being serviced and/or repaired Offers protection for damage to equipment or customers’ vehicles while they are being serviced or repaired.
  • Limited Product Withdrawal Expense – Reimburses certain expenses associated with a product recall.
  • Canadian Cross-Border Coverage – Extends coverage for Canadian premises‑related exposures.
Worker looks closely at machine part Worker looks closely at machine part

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