Get In Touch

Product Liability Insurance

Essential protection for Ontario manufacturers, distributors, and retailers. Shield your business from product defect claims, lawsuits, and financial losses with comprehensive product liability coverage in Mississauga, Ontario, and across Canada.

What Is Product Liability Insurance?

Product Liability Insurance protects Ontario businesses that manufacture, distribute, or sell products from claims alleging that their products caused bodily injury, property damage, or other harm. It's essential coverage for any business involved in the product supply chain.

Product Defects

Covers claims arising from design defects, manufacturing defects, or inadequate warnings and instructions.

Legal Defense

Pays for legal expenses, court costs, and settlements when product-related lawsuits arise.

Who Needs Product Liability Insurance?

Any business in Ontario involved in creating, distributing, or selling products needs product liability protection. The risk extends throughout the entire supply chain in the GTA.

  • Manufacturers & Producers
  • Distributors & Wholesalers
  • Retailers & E-commerce
  • Importers & Exporters
  • Food & Beverage Companies
  • Electronics & Technology
  • Automotive & Machinery
  • Pharmaceutical & Medical
  • Consumer Goods
  • Industrial Equipment
  • Construction Materials
  • All Product Businesses

Key Benefits

Product Liability Insurance provides essential protection for your business and peace of mind for your future.

Product Defect Protection

Comprehensive coverage against design, manufacturing, and warning defects.

Legal Defense

Coverage for legal expenses and court costs when defending product claims.

Settlements & Judgments

Payment of settlements or court-awarded damages up to your policy limits.

Product Recall

Coverage for costs associated with recalling defective products from the market.

What Does Product Liability Insurance Cover?

Comprehensive protection against the most common product-related risks and their financial consequences.

Bodily Injury

Coverage for injuries caused by defective products to consumers or third parties.

  • Medical expenses
  • Pain and suffering
  • Lost wages
  • Disability benefits

Property Damage

Protection against damage to property caused by defective products.

  • Repair costs
  • Replacement value
  • Loss of use
  • Diminished value

Legal Defense

Coverage for legal expenses and court costs when defending product claims.

  • Attorney fees
  • Court costs
  • Expert witnesses
  • Investigation costs

Settlements & Judgments

Payment of settlements or court-awarded damages up to your policy limits.

  • Out-of-court settlements
  • Court judgments
  • Interest on judgments
  • Appeal bonds

Product Recall

Coverage for costs associated with recalling defective products from the market.

  • Recall expenses
  • Notification costs
  • Transportation
  • Destruction costs

Business Interruption

Coverage for lost income and extra expenses due to product-related incidents.

  • Lost revenue
  • Extra expenses
  • Production delays
  • Market share loss

Common Product Liability Claims

Understanding the types of product liability claims helps you assess your risk exposure and coverage needs.

Design Defects

Inherent flaws in the product design that make it unsafe for its intended use.

Example: A car design flaw that causes brake failure in certain driving conditions.

Manufacturing Defects

Errors in the manufacturing process that result in unsafe products.

Example: A batch of children's toys with loose parts that pose a choking hazard.

Inadequate Warnings

Failure to provide proper warnings about product risks or usage instructions.

Example: A cleaning product without proper warnings about chemical exposure risks.

Strict Liability

Claims based on the product being defective, regardless of negligence.

Example: A consumer injured by a product defect, even if the manufacturer wasn't negligent.

Frequently Asked Questions

Common questions about Product Liability Insurance coverage.

Product Liability Insurance protects businesses that manufacture, distribute, or sell products from claims alleging that their products caused bodily injury, property damage, or other harm. It's essential coverage for any business involved in the product supply chain.

Any business involved in creating, distributing, or selling products needs product liability protection. This includes manufacturers, distributors, wholesalers, retailers, importers, and exporters across all industries.

Product liability insurance covers bodily injury, property damage, legal defense costs, settlements and judgments, product recall expenses, and business interruption due to product-related incidents.

Coverage limits depend on your product type, industry risks, potential exposure, and business size. Common limits range from $1M to $10M, with higher limits for high-risk products like medical devices or automotive parts.

Product liability covers design defects (inherent flaws), manufacturing defects (production errors), and inadequate warnings or instructions. It also covers strict liability claims regardless of negligence.

Get Your Product Liability Quote

Start protecting your business today. Our team will respond within 2 hours.

Call Now Get A Quote