Product liability
Covers injuries or damage caused by products you make, sell or distribute.
What it covers
Covered
Every policy is different. Oscar walks you through the exact wording of yours.
- 01Injuries caused by a product you sold or made
- 02Property damage caused by your product
- 03Legal defense costs
- 04Settlements and judgments
What it doesn’t cover
Usually not covered
- Recalls, unless recall coverage is added
- Damage to the product itself
- Your own business property
- Contract disputes over product quality
Who needs it
Who it’s for
Manufacturers, wholesalers, distributors and retailers, including online sellers.
Bundle two or more policies with Diamond and save up to 20%. A licensed agent reviews every request. Nothing on this page is a quote or proof of coverage.
FAQ
Product liability questions
I only resell products. Can I still be sued?
Yes. Retailers and distributors can be named in a claim along with the maker.
Is it part of general liability?
Often it’s included as products and completed operations. Some businesses need higher limits or a separate policy.
Related coverage
CoverageGeneral liabilityCovers injuries to other people and damage to their property caused by your business, plus the legal costs if you’re sued.CoverageSmall business packageBundles property and general liability into one policy, often with business income coverage, at one price.CoverageEmployment practicesCovers claims from employees or job applicants over how they were treated at work.
Next step
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