Product Liability Insurance — Cover What You Sell
If a product you made, imported or sold hurts someone or damages property, the claim comes to your business. Product liability covers the defence, the settlement and the recall costs.
What is Product Liability Insurance?
Product liability insurance protects businesses that manufacture, import, distribute or sell physical products against claims of bodily injury, illness or property damage caused by those products. It can cover design defects, manufacturing errors, missing warnings and labelling failures, along with the cost of recalling a product from the market.
What's Covered
- Bodily injury and illness claims from defective or unsafe products
- Property damage caused by a product you supplied
- Legal defence, investigation and settlement costs
- Product recall, withdrawal and rehabilitation expenses (optional)
- Completed operations liability after a product has left your premises
- Vendor and distributor liability for retailers selling your goods
Who Needs This Coverage?
Manufacturers, importers, wholesalers, distributors, retailers and e-commerce sellers of physical goods. Food and beverage producers, cosmetics, children's products and building materials carry the highest exposure — and most retail contracts now require proof of product liability coverage.
How Much Does It Cost?
Product liability insurance in Canada typically starts around $35–$90/month for small businesses, based on product type, annual sales volume, where the goods are sold and the coverage limit selected.
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Did You Know?
Many commercial contracts and leases require proof of insurance before you can start work.
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