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Products Liability Insurance

This insurance covers the Insured’s legal liability arising from negligent acts or omissions in connection with products. In this respect, we will pay all sums for which you become legally liable, in case your products are defective and their users suffer property damage or bodily harm/injury. 

Who is this for:

  • Manufacturers / producers
  • Wholesalers or retailers
  • Intermediaries
  • Restaurants

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What we cover

Atlantic shall indemnify you, up to the limits of liability agreed, against all sums which you might become legally liable to pay as compensation, including legal costs in respect of:

  • accidental bodily injury or death or illness to any person, including food or drink poisoning
  • accidental loss or damage to tangible property,

directly resulting from goods or products which have been manufactured, sold, supplied, installed, treated, altered, repaired or distributed by or on your behalf.

The policy is subject to an indemnity limit for:

  • Any one incident or series of incidents arising out of one event
  • Any one period of insurance


Important Note: The above constitutes a summary of the product features. Full details as to policy covers, conditions and exclusions are contained in Atlantic’s relevant Insurance Policy document.

Competitive Benefits

  • Prompt and fair claims settlement
  • Competitive prices
  • Cover limits can be tailored to your business needs
  • Highly personalised service from our experienced personnel in all towns

Atlantic is reinsured with Swiss Re and other A rated reinsurers!

Frequently Asked Questions

  • Q1. Why do I need product liability insurance?A1. You should consider product liability insurance if your business designs, manufactures or supplies a physical product. You may be held legally responsible for any illness or injury to third parties or damages to third party property caused by a faulty product.
  • Q2. Is Products Liability insurance compulsory by law? A2. No, however, it is strongly recommended to have such an insurance if you manufacture, sell, supply, install, treat, alter, repair or distribute products. This affords protection against the possibility of financial loss due to legal action against you for faulty products resulting in third party bodily injury, illness or property damage.
  • Q3. How much Products Liability insurance cover do I need? A3. The amount of cover that your business needs will depend on the risks associated with your business operations. However, in certain cases, a third party or business collaborator may require a minimum level of indemnity. Generally, we are glad to assist you in deciding the appropriate level of cover.
  • Q4. I already have Public Liability insurance. Do I also need Products Liability insurance? A4. Yes, you do need Products Liability insurance as Public Liability insurance excludes claims arising out of or in connection with any products .

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