Product Liability Insurance

Exclusions typically include: 

• Injuries or damage caused by deliberate actions 
• Costs from knowingly supplying defective products 
• Claims related to professional advice you gave alongside a product — this is usually covered under professional indemnity insurance instead 
• Employee injuries, which would be covered under employers' liability insurance

Yes! Bionic works with insurers who offer tailored insurance for businesses of all sizes including small and microbusinesses. 

• Public liability insurance covers claims for injuries or property damage that happen because of your business activities (for example, a customer slipping in your shop). 
• Product liability insurance specifically covers claims caused by products you’ve sold or supplied (for example, a faulty item causing injury after purchase). 

Many businesses choose both types of cover for broader protection.

Yes, you should consider it. You could still face a claim even if you sell second-hand or refurbished products. If the item you sold turns out to be faulty and causes harm, it may be hard to trace back to the original manufacturer — meaning you could be held responsible. Product liability cover is worth considering for second-hand retailers and anyone who repairs or refurbishes goods before selling them on.

Product liability insurance can help cover the cost of compensation claims and legal fees if a product you've supplied causes injury or property damage to someone else. 

Product recall insurance (which some policies include as standard, and others offer as an add-on) helps covers the cost of actually recalling a faulty product from the market — including logistics, communications, and disposal costs. If you produce or supply goods at scale, it's worth checking whether your policy includes recall cover.

It's a good idea to have cover in place as soon as you start selling, supplying, or manufacturing products. You never know when a claim could come out of the woodwork, so waiting until something goes wrong may too late. If you're a new business, putting the right cover in place from day one can give you the right protection.

No, but they're often sold together. Public liability covers claims from members of the public for injury or property damage caused by your business activities. Product liability specifically covers claims caused by a product you've supplied or manufactured. Many business insurance policies include both types of cover.

Yes. If you sell products online — whether through your own website or a marketplace like Amazon or eBay — you should consider product liability insurance. Marketplaces often require sellers to hold a minimum level of cover, and if you import goods from outside the UK to sell, you take on the importer's liability under UK law.