Products Liability

Product Liability insurance protects businesses from claims made by third parties for accidental harm or damage caused by the products it makes, sells, or distributes.

Policy Wording Summary of Cover

Cover Overview

If a product you manufacture, sell, or distribute is found to be defective or unsafe and accidentally causes injury or damage to a third party or third-party property, the business can be held liable. Product Liability insurance covers the claimant’s costs, fees, and expenses, protecting the business from financial risk.

Our Policy Includes

Bodily injury to any person or damage to property

Cover for Cross Liabilities*

*see policy wording for full details

Additional activities included*

*see policy wording for full details

Extends to cover the Food Safety Act 1990 and The Food Safety and Hygiene (England) Regulations 2013

How It Works

Following your loss of third-party data or a breach of any privacy legislation worldwide (a Data Liability Event):

Give written notice to the insurer as soon as reasonably practicable of any circumstance, providing all additional information required by insurers.

An agent will be appointed to your case, and you would be expected to comply with all relevant practices, directions and pre-action protocols they advise.

It is a condition of the policy to not admit, offer, promise or pay a claimant without first speaking to your insurer and confirming or receiving consent in writing.

If approved, the insurer will settle the claim, costs or expenses to which they are responsible, that have been incurred. Please check the claims conditions and general conditions in the policy wording.

Limit of Liability

When applying for your policy, you will be asked to select a 'Limit of Liability', with the options available to you being:

£1,000,000
£2,000,000
£5,000,000

The limit of liability is the total amount for damages, claimants costs, fees and expenses payable in respect of any claim, and cannot exceed the amount selected when purchasing the policy. This amount will be shown on your Schedule of Insurance.

Testimonials

“I’m very pleased with the service I received from Trafalgar Risk Management. The online portal was very easy to use, they answered my questions quickly and efficiently, and I loved their personal touch. Every time I reached out, I got a customised response instead of the usual runaround experience when dealing with big companies.”

Marta

AAT

“My enquiry was dealt with efficiently & effectively and I was advised at each stage. I am very happy with the service I received - Thank you very much!”

Claire

BADN

“I have used Trafalgar Risk Management for my insurance needs for a few years now. I have always found that they have a clear pricing structure are competitively priced and responsive to questions, I will certainly use them again.”

Ian

IOSH

“The team at Trafalgar were most helpful in reinstating my policy after I had overlooked the various reminders and it had lapsed. Communication was speedy and efficient.”

Julie

CIOL

“I have found Trafalgar Insurance to be an excellent company to deal with. The quote for professional insurance was competitive, the service when I had a query was swift and cheerful. All that you could want really. No complaints from me, just compliments. Well done”

Simon

IOSH

“Trafalgar offer great-value policies, genuinely take the time to listen, and are excellent at resolving issues when they arise.”

Ian

AAT

“Following an issue accessing Outlook on Microsoft 365, I was forced to create another email account which, amongst other things, required resetting my password to my new email address to access MyTrafalgar. When I encountered a problem doing this myself, the Trafalgar and TRM team were able to resolve the issue within 24 hours and could not have been more helpful in their response. Many thanks!”

Paul

IOSH

“Fantastic service and extremely efficient in helping me with my query.”

Cheers

AAT