If you manufacture goods directly or sell products that have been manufactured elsewhere, you should strongly consider product liability insurance.

PHP Insurance are commercial insurance experts and are more than happy to explain the benefits of product liability insurance and the different types and level of cover available.

Product liability insurance covers the cost of compensating anyone who is injured by a product that your business made, designed or supplied where the injury can be shown to be a result of a fault in that product.

If you make or supply products to the general public you have a responsibility to ensure that they are safe. Many products are regulated by health and safety and product safety laws.

In today’s society, consumers are more aware of the laws and their rights, and are more akin to progressing claims against businesses.

If you are manufacturing or selling any products, it is vital that you ensure that you are complying with these laws.

However careful you are, sometimes a product you have supplied may cause accidental injury or damage. The sheer range of products that some businesses supply make this outcome much more likely.

Product liability provides cover for bodily injury, illness, disease, loss of, or damage to, third party property caused by the products you sell, supply, service and/or repair.

Your business may be held legally responsible for goods you supply even if you do not manufacture them.

Our insurance specialists at PHP Insurance are available to discuss your individual needs and recommends levels of cover required – obtaining quotations from our panel of underwriters.

Our Chartered Insurance status and continual in-house training ensures we can offer the most up-to-date and best of breed advice when insuring your business and products.