Map the product
Materials, components, intended use, end users, sales territories and critical failure modes.
Product liability insurance
Protect the business behind every product you make, import, distribute or sell.
A product claim can begin with an injury allegation and expand into defense costs, contractual disputes, retailer demands and questions about who belongs in the chain of distribution.
Established 2007Commercial insurance experience
Every policy comes with a licensed agentHuman guidance before and after placement
Licensed in 10 statesAZ · IL · MO · NM · NC · OK · OR · SC · TN · TX
The entire distribution chain
Product liability is not only a manufacturer’s problem.
Manufacturers, contract manufacturers, importers, distributors, wholesalers, assemblers, private-label sellers and retailers can all be named when a product allegedly causes bodily injury or property damage. We help identify the role your business plays, the products involved and where gaps may develop.
Commercial experience since 2007
Good product-liability work starts before the application.
Liberty Union Insurance Group was founded by Richard Phillips in 2007. We have spent nearly two decades helping commercial clients explain complex operations to underwriters, compare policy language and obtain service after placement.
We look beyond annual sales. A useful submission describes what the product does, who uses it, where it is sold, how it is designed and tested, whether components or finished goods are imported, how lots are traced, what contracts require and what could happen if the product fails.
Map the chain
Designers, contract manufacturers, importers, distributors, retailers and additional insured obligations.
Read the policy
Definitions, exclusions, territory, defense, deductibles, aggregates, reporting duties and discontinued-products treatment.
China import specialization
Product liability for U.S. companies importing products made in China.
When a Chinese manufacturer is difficult to bring into a U.S. claim, the domestic importer, brand owner or distributor may become the most practical defendant. We help document the overseas supply chain, testing, quality controls, contracts, product changes and U.S. sales exposure.
Three different problems
Product liability, product recall and manufacturers E&O are not interchangeable.
Liability coverage generally addresses covered third-party bodily injury or property damage. Recall coverage may address specified withdrawal and crisis costs. Manufacturers E&O may address certain financial-loss allegations when a product fails to perform. Each depends on its own terms.
Product liability guidance