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Product Liability 101 - How Ontario Manufacturers Can Protect Against Costly Claims

Boardwalk Insurance Aug 23, 2024

Product liability is not theoretical

When a product fails, costs can include injury claims, property damage, legal defence, recalls, and reputational damage. The exposure starts as soon as goods leave your control.

How product liability insurance helps

• Legal defence costs and expert investigation support • Settlements or judgments where coverage applies • Claims from bodily injury or property damage tied to product use • Protection that supports customer and distributor relationships

Common claim triggers

• Design defects or incomplete specifications • Manufacturing defects from process variation or contamination • Labeling and instruction issues that lead to misuse • Supplier component failures that still land on the manufacturer

Practical prevention that reduces claims

• Documented quality control and testing procedures • Traceability for batches and supplier inputs • Clear labeling, warnings, and usage instructions • Incident reporting workflow and fast containment actions

Talk to Boardwalk

If you want to align limits and wording to your product line and distribution footprint, we can review your exposure and build a program that matches real world risk.

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Why Boardwalk Insurance?

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