Product Liability Insurance

Every unit you ship carries liability. Cover the whole chain.

If a product you manufacture, import, or sell injures someone or damages property, you're in the claim chain — manufacturers, importers, and retailers alike. Product liability responds to those claims and funds the defence, from a single-SKU maker to a full catalogue.

We arrange product liability rated honestly to what you sell — because a candle, a children's toy, and a dietary supplement are three different conversations.

What's covered

Bodily injury and property damage caused by your products
Defence costs for product claims, founded or not
Coverage for products sold online, in store, and at markets
Importer's liability where the manufacturer is overseas
Completed products coverage after the sale
Certificate compliance for marketplaces like Amazon

Good to know

Frequently asked questions

I import products — am I liable as if I made them?: Effectively yes: when the manufacturer is outside Canada, claimants pursue the importer or seller of record, and Canadian law supports it. Your product liability is the coverage that actually responds.
Does product liability cover a recall?: No — it pays injury and damage claims. The operational cost of pulling product is separate recall coverage; manufacturers and food businesses often need both.
Do handmade and small-batch products need this?: Yes — liability doesn't scale with company size, only with what the product can do. Maker-scale policies are priced accordingly, so small brands can afford real coverage.

Insurer partners

Insurers we compare for product liability insurance

We shop these partners to find the right coverage and price for you.

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What's covered

Bodily injury and property damage caused by your products

Defence costs for product claims, founded or not

Coverage for products sold online, in store, and at markets

Importer's liability where the manufacturer is overseas

Completed products coverage after the sale

Certificate compliance for marketplaces like Amazon

Frequently asked questions

I import products — am I liable as if I made them?

Effectively yes: when the manufacturer is outside Canada, claimants pursue the importer or seller of record, and Canadian law supports it. Your product liability is the coverage that actually responds.

Does product liability cover a recall?

No — it pays injury and damage claims. The operational cost of pulling product is separate recall coverage; manufacturers and food businesses often need both.

Do handmade and small-batch products need this?

Yes — liability doesn't scale with company size, only with what the product can do. Maker-scale policies are priced accordingly, so small brands can afford real coverage.