Quick and easy Product Liability insurance to help you work with peace of mind.Start your quote
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.
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Protects against claims of alleged negligence in your professional services, advice and designs.
Protects against claims of injury to third-parties or damage to a third-party's property.
A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.
Cover for contract disputes, tax investigations, court attendance, debt recovery, and more.
Cover for work injuries, illnesses caused by work and compensation awards.
Protection for losses from, fraud, dishonesty, theft, bribery, forgery, and loss investigations.
Covers your business in the event of a malicious attack on your computer systems and data.
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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:
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.
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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