Everyone in the supply chain can be named. Coverage decides who's protected.
Protection when a product causes harm
Product Liability insurance responds when a product your business manufactured, distributed, or sold is alleged to have caused bodily injury or property damage. In a product claim, plaintiffs frequently name everyone in the chain of distribution — the maker, the distributor, and the retailer alike.
Even a well-made product can generate a claim, and defense costs alone can be significant. This coverage is a core protection for anyone who puts a physical product into the marketplace.
What Product Liability Covers
Product Liability generally responds to claims alleging:
Manufacturing Defects — a flaw introduced during production that makes a product unsafe.
Design Defects — an inherent design that creates an unreasonable risk.
Failure to Warn — inadequate instructions, labeling, or safety warnings.
Legal Defense Costs — attorney fees, expert costs, and settlements tied to covered claims.
Who Needs Product Liability
Product Liability is essential for:
Manufacturers and fabricators
Wholesalers and distributors
Retailers and e-commerce sellers
Importers and private-label brands
Food, beverage, and consumer-product companies
How It Relates to Your Other Coverage
Products-completed operations is often included within a General Liability policy, but limits, exclusions, and sublimits vary widely by industry and product type. High-risk products may require dedicated placement in specialty markets. We match the structure to what you actually make and sell.
Our Approach
At Cory Washington & Co., Product Liability coverage is never a checkbox. We evaluate how your business actually operates, review your contracts and exposures, and structure coverage to perform in the real world — not just to satisfy a minimum. Licensed in all 50 states, we place Product Liability coverage through admitted carriers and specialty markets that compete for your account, then explain the trade-offs in plain English so you can decide with confidence.
Related coverage: General Liability · Product Recall & Contamination · Umbrella / Excess Liability.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
Frequently Asked Questions
How do I get product liability insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate product liability insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
What drives the cost of product liability insurance?
Premiums vary from business to business. The main drivers of product liability insurance pricing are the nature of your operations, your revenue and payroll, your loss history, and the limits you carry. Rather than quote a flat figure, we negotiate across several markets and walk you through the options, so you only pay for the protection you actually need.
Do I need product liability insurance?
It depends on your situation. Some coverage is required by law; more often, product liability insurance is required by a contract, lease, lender, or client before they will do business with you — and even when it is not mandated, it guards against exposures that can be severe. We review your operations and obligations and tell you plainly what you need and why.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.