Product Liability Insurance
Full protection across your product risk — for designers, manufacturers, importers, wholesalers and retailers. We tailor cover that meets US, EU and global vendor requirements.
- Professional product liability solutions
- Tailored to meet contract / vendor terms
- One-on-one advisory service
- 40+ years, 30+ HK insurers compared
We arrange Product Liability for many industries
Why your business needs Product Liability
From compliance with overseas buyers to protecting your balance sheet — here's what a well-structured Product Liability programme delivers.
Required for global markets
US and EU importers, Amazon, Costco, Walmart and other major retailers routinely require suppliers to carry Product Liability cover before issuing purchase orders.
Stronger brand credibility
Insurance evidence reassures customers, distributors and investors that your products and your company are professionally managed.
Legal defence built in
Litigation in overseas jurisdictions is expensive. The policy pays your defence lawyers and investigation costs — not just settlements.
Protect company cash flow
A single bodily injury or recall claim can run into seven figures. Insurance shields your balance sheet from one-off catastrophic losses.
Holistic risk management
Pairs naturally with Public Liability, Cargo and Recall cover — we structure the programme so gaps are closed across the whole supply chain.
What Product Liability typically covers
Third-party bodily injury & property damage
Compensation payable to consumers or businesses injured or damaged by your product.
Worldwide jurisdiction options
Cover can extend to claims brought in the US, Canada, EU and other territories — essential for exporters.
Legal defence & investigation costs
Lawyers' fees, expert witnesses and investigation costs covered in full, subject to policy limits.
Run-off cover after M&A or closure
Continued protection for claims notified after a business is sold, restructured or wound down.
Additional damages & awards
Where insurable, the policy can respond to punitive damages, compensatory awards and statutory penalties.
Optional product recall
Add-on cover for the cost of recalling defective products from market — a common requirement for F&B and consumer goods.
4 simple steps to buy Product Liability
Send your details
Tell us your products, annual turnover, target export markets and last 3 years' claims via WhatsApp or our enquiry form.
Formal quotation
We compare 30+ insurers and return a formal quote within 1–2 working days (3–4 days for large or complex programmes), with limits, deductibles and territory clearly listed.
Confirm & submit documents
Confirm by WhatsApp, then submit the signed proposal form and payment.
Policy issued
Once payment is received we instruct the insurer; e-policy is emailed / WhatsApped, or a hard copy is mailed to your address.
Product Liability — answered
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Need Product Liability for a new vendor contract?
Send us the certificate requirements and we'll arrange compliant cover — same-day certificate when documents are complete.