Insured products
The products manufactured, supplied, distributed or sold by the organisation.
Responsibility & reputation
Product Liability
Respond when a product is alleged to have caused injury or damage.
Product Liability addresses legal liability arising from products manufactured, supplied, distributed or sold.
Introduction
What is Product Liability?
Product Liability is commonly considered by manufacturers, importers, distributors, retailers and brand owners. It can address legal liability arising from products manufactured, supplied, distributed or sold.
What it protects
What can the policy protect?
The scope of Product Liability should clearly define the insured interests and the protection required.
Allegations and defence
How the programme responds to product allegations and agreed defence costs.
Third-party injury or property damage
Bodily injury or physical damage to third-party property allegedly caused by an insured product.
Territory and jurisdiction
Where products are sold or used and where claims may be brought.
Common events
What types of loss can be covered?
The examples alongside help test the proposed programme against realistic situations. They guide the conversation but do not represent automatic cover.
Injury caused by a product
A third party alleges that an insured product caused bodily injury.
Property damage caused by a product
A third party alleges that an insured product damaged its property.
Programme context
Where this cover fits
Industry applications
The role of the cover should reflect the operation, contractual responsibilities and potential severity of loss.
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Garment & Textiles
For labour-intensive production, valuable stock and delivery commitments across local and export markets.
Manufacturing
For operations where machinery, stock, people, suppliers and production continuity work as one system.
Petrochemical, Oil & Gas
For technically complex operations with concentrated values, specialist contractors and severe loss potential.
Transportation & Logistics
For businesses responsible for vehicles, cargo, terminals, timing and third-party property in motion.
Independent liability review
Review Product Liability with Talisman.
Share your current wording, renewal terms or information about the requirement. We will help identify the practical next step.
Illustrative information only. Coverage, availability, limits and terms depend on the risk profile, insurer approval and final policy wording.