FAQ Category: Product Liability

Product Liability Insurance is not legally required in the UK, but it’s strongly recommended. If you make, sell, or supply products, you can be held responsible if they cause harm or damage – even if you didn’t manufacture them. Having cover in place helps protect your business from potentially high compensation claims and may be required by retailers, distributors, or event organisers before they’ll work with you.

Not always. Standard Public Liability Insurance covers injury or damage caused by your work or activities, but it doesn’t necessarily cover harm caused by products you sell or supply. Some insurers let you add Product Liability Insurance to your policy for complete protection.

Yes, but if you import products, you may be treated as the manufacturer under UK law – meaning you can be held fully responsible for their safety. That makes Product Liability cover especially important for importers.

Yes, it’s still recommended. Even if you sell handmade goods at markets or online platforms like Etsy or eBay, you could be liable if your product harms someone. Product Liability Insurance ensures that one unexpected claim won’t put your livelihood at risk.