hero image

Product Liability Insurance

Quick and easy Product Liability insurance to help you work with peace of mind.

Start your quote
feefo logo
Trusted by over 23,000 clients for their business insurance
Quick and easy online cover for your profession
Rated 4.7 out of 5 by over 3,500 clients at feefo.com
product liability cover can help if a customer has an accident and makes a claim

As a business owner working hard to build your venture, you will likely pass on advice to your clients, potentially provide designs and business services, and as part of your services you could install products, or even create and sell your own products.

What you do not want to experience is a claim against you from a customer who has sustained an injury that is alleged to have been caused by one of your products that you sold to them.

But that’s when product liability insurance can help.

What is product liability insurance?

Product liability insurance is a type of business insurance that covers businesses that sell or manufacture products. The cover is available from Caunce O’Hara as a part of our Business Combined insurance policy, which you will find in the online quote system


What does product liability insurance cover?

The policy will provide cover for legal costs and compensation incurred, up to £1 million, if a claim is made against you.

Why choose Caunce O'Hara for your business insurance?

As business insurance experts, we're your number one choice for your business protection.

Caunce OHara business insurance for contractors and freelancers

Trusted by over 23,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

Relevant articles

Click on the relevant article below to continue

Golden star
I had spoken to Caunce O'Hara prior to the transaction and it all went smoothly for me. I have used them now for 12 years.
Trusted Customer
Golden star
Excellent Customer service and value for money. Best public liability, professional indemnity and employers liability insurance offer I’ve come across.
Trusted Customer
Golden star
Company insurances renewed for another year with Caunce O'Hara. No drama, issues or concerns.
Trusted Customer

Frequently Asked Questions

We offer one level of insurance of up to £1,000,000 of coverage.

Product liability insurance is important for anyone who sells physical products, even as a reseller. This is because the seller is always the first point of call for a customer if something goes wrong. The seller is the party who will be held responsible and most likely to be the subject of a claim.

If a product you sell causes an injury to someone or damages their property, then you could be held liable, even if you didn’t make the product yourself.

You can benefit from carrying product liability insurance if:

  • You manufacture products.
  • You commission the manufacture of a product.
  • Your business name appears on the product, whether you manufactured the product or are a reseller of the product.
  • You are a business that repairs or repurposes products.
  • You are a business that imports materials, components, or products from outside the European Union for sale in the UK.
  • As a manufacturer or reseller, you have a ‘hold harmless’ agreement with any supplier which indemnifies the supplier’s liability. A ‘hold harmless’ agreement is a legal agreement between parties that states one party will not hold the other party liable for risk, danger, injury, or damages caused to the other party.
  • The manufacturer has gone out of business, then you as the seller of the product could be held liable.

Product liability insurance is provided as part of our Business Combined insurance policy, which starts from £212.00 Depending on your business type and level of risk. This will provide £1 million of product liability cover.

It will also provide as standard: employers’ liability insurance with up to £10 million of cover, public liability insurance with up to £1 million of cover, up to £2,500 of additional cost of working cover, up to £1,000 of portable equipment cover, and up to £250,000 of directors and officers insurance.

Professional Indemnity insurance (PI) will provide cover for business professionals who provide business services, advice or designs to clients and will cover against claims of negligent work.

Employers liability insurance (EL) will cover the cost of defending or settling a claim against you from an employee who has suffered injury or disease as a result of the work they do for you.

As a self-employed business owner, a claim can be made against you personally with unlimited personal liability, therefore Directors and Officers insurance (D&O) is An important type of insurance that will cover you in this instance. D&O is provided as part of our Business Combined insurance policy.

Legal Expenses insurance will also provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from an IR35 tax investigation.

Cyber insurance, also known as cyber liability insurance, will cover your business in the event of a malicious attack on your computer systems and your data.

Personal accident insurance can provide cover for your loss of earnings while you are unable to work due to a work-related accident or illness caused by your work.

Commercial crime insurance can be beneficial to anyone who owns or runs a business, no matter how large that business is. Theft and other crime can have catastrophic consequences for a business and potentially to those who are connected to that business, such as suppliers and employees.

Contact us

Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

Get in touch
Contact Caunce O'Hara for your business insurance today