Product Liability Insurance
Product liability cover for a range of services & activities from £3.71 per month.*
- Public Liability included
- Join over 150,000 customers**
- Over 3000 5* reviews
From £3.71* a month
Get a quote for product liability insurance
Choose the catergory that best suits your business. All our business insurance comes with public liability as standard.
Pet Business
Therapist
Hairdresser
Personal Trainer
Other business
What is Product Liability Insurance?
If you manufacture, sell, or supply products, there’s always a risk that something could go wrong. A faulty design, manufacturing defect, or even missing safety instructions could cause injury to a customer or damage their property. If that happens, your business could be held legally responsible.
Product Liability Insurance protects you by covering the costs of these claims, so one defective product doesn’t turn into a financial disaster. It typically covers injury to someone caused by a product you made, sold, or supplied as well as damage to someone else’s property caused by a faulty or unsafe product.
At Protectivity all our small business policies includes liability cover as standard, with the flexibility to add optional extras that fit your unique needs. You can choose from equipment cover, employers’ liability, additional legal protection, and a variety of other tailored add-ons, all designed to suit the size and nature of your business. From pet care services, therapy and hairdressing to personal training, catering, and many other trades, we make sure you’re covered.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Even with strict quality control, no business is immune from product-related risks. If someone makes a claim against your business, the costs can be substantial. Product Liability Insurance is there to step in and protect you.
What’s covered:
- Compensation payouts if a product you design, manufacture, or sell causes injury or property damage.
- Your legal defence costs if a claim goes to court (with the insurer’s agreement).
- The claimant’s expenses, such as their solicitor or court fees.
- Defects in design, manufacturing, or labelling/warnings.
- Product recalls or contamination incidents, depending on your policy.
- Claims arising during your policy period that are linked to your business products.
Optional extras:
- Injury to your employees – this is covered separately under Employers’ Liability Insurance.
- Poor professional advice or services – that’s covered by Professional Indemnity Insurance.
You can also choose the level of cover that suits your business. For most small business liability insurance policies, this usually ranges from £1 million up to £10 million – giving you confidence that if the unexpected happens, you won’t be left to handle it alone.
Like all insurance, Product Liability Insurance has its limits. It’s designed to cover harm caused by products, not every type of business risk. Typically, it won’t cover:
- Property damage to your own business equipment or stock.
- Deliberate acts, contract disputes, or illegal activities.
- Normal wear and tear of products, or issues arising after product warranties expire.
For information on exclusions in your cover please refer to policy documentation.
Who needs Product Liability Insurance?
If your business is involved in designing, producing, selling, or supplying goods, Product Liability Insurance is worth considering.
In many cases, distributors, retailers, or event organisers may ask for proof of Product Liability Insurance before they agree to stock or sell your products. Even if it’s not a requirement, having this cover provides peace of mind that your business is protected.
It’s especially relevant for:
Retailers and stallholders
Even if you didn’t make the product, you could still be liable.
Caterers and food businesses
Where risks include food poisoning, contamination, or allergic reactions.
Craftspeople and small-scale producers
Selling handmade goods online, at markets, or in shops.
Our experts explain why...
“Product Liability Insurance gives your small business essential protection against claims arising from the products you sell, supply, or manufacture. If a customer is injured or their property is damaged because of a product, even a minor issue could lead to expensive compensation claims or legal costs. With our cover in place, you can trade with confidence, knowing you’re safeguarded against unexpected third-party claims linked to your products.”
Chris Trotman, Protectivity Underwriting Manager
How much does Product Liability Insurance cost?
At Protectivity policies start at just £3.71* a month.
Your product liability insurance cost will depend on several factors, particularly:
- The level of cover you require (usually from £1 million to £10 million).
- The type of products you sell or manufacture – higher-risk products may increase premiums.
- The size of your business, number of employees, and annual turnover.
At Protectivity, Product Liability cover is typically included as part of our small business liability insurance. We’ve also designed specialist policies that take into account your business activities, with the option to add extras like equipment cover, legal expenses, professional indemnity, and employers’ liability.
Prices from
£3.71* a month
Explainer quote
Policy cost
£3.71* a month
Policy type
Crafters Insurance
Duration
Annual
Turnover
£50,000
Public Liability
£1,000,000
Product Liability
£1,000,000
Equipment
£250
Stock
£250
This example is based on a real quote from our website on 06/10/2025. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your product liability insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Do I need Product Liability Insurance and is it a legal requirement?
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.
Does public liability insurance include product liability?
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.
Does Product Liability Insurance cover imported goods?
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.
Do I need Product Liability Insurance if I’m a small seller?
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.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 06/10/2025. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.
¹Based on live Feefo data