Products Liability Insurance in Brighton

Key points

• Manufacturers of goods and components
• Food and drink producers
• Importers and distributors
• Wholesalers and retailers (own-brand products)
• Cosmetics and personal care producers
• Electronics and consumer goods suppliers

Frequently asked questions

Is products liability different from public liability?

Products liability specifically covers claims arising from goods you manufacture, supply or sell. Public liability covers general third-party injury or damage from your business activities. Many policies combine both, but standalone products liability is important for manufacturers and importers.

Do importers need products liability insurance?

Yes. Under UK law, importers can be treated as the manufacturer for liability purposes. If a product you import causes injury or damage, you could face a claim regardless of who made it.

Does products liability cover product recalls?

Standard products liability covers injury and damage claims but not the cost of recalling products. Product recall insurance is available as a separate extension and is recommended for food producers and consumer goods manufacturers.