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    Product Liability Insurance Policy

    Protection against claims arising from defective products causing injury or damage. Essential coverage for manufacturers & product sellers.

    Key Coverages

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    Liability Insurance

    Product Liability Insurance Policy

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    Key Features

    Safeguard your organization with product liability protection

    Coverage Highlights

    This policy safeguards businesses against claims related to products they manufacture or sell
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    • Coverage for Legal Liability

    Provides coverage for legal liability arising from accidental bodily injury or property damage caused by the insured's products

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    • Claimant's Costs and Defense Costs

    Covers costs for investigating, defending, or settling Claims, including representation

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    • Indemnity Limit

    The policy includes a limit of indemnity, which is the maximum amount the insurer will pay for claims, which includes Damages and Defense costs

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    • Accidental Bodily Injury and Property Damage

    Covers claims arising from accidental bodily injury or property damage caused by the insured's products to a third party

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    • Business Operations

    The coverage applies to claims arising solely in the course of the insured's business operations

    Inclusions

    What's covered
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    • Legal Liability

    Covers legal liability for third-party accidental bodily injury or property damage caused by your products

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    • Claimant's and Defense Costs

    Includes claimant's costs, fees, and defense expenses

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    • Business Operations

    Applies to claims arising in the course of your business operations

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    • Note

    Please read policy wording for detailed explanation..

    Key Exclusions

    What’s not covered?
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    • Defective Product Repair

    Excludes repair, reconditioning, modification, or replacement of defective products

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    • Product Recall

    Excludes the recall of any product or its parts

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    • Aircraft Products

    Excludes products known to be for aircraft structure, machinery, or control

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    • Product Performance Failure

    Excludes failure of products to fulfill their intended purpose

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    • Product Guarantee

    Excludes any product guarantee

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    • Assumed Risk

    Excludes agreed risk assumptions unless liability exists without the agreement

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    • Non-Compliance Accident

    Excludes accidents from deliberate, willful, or intentional statutory non-compliance

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    • Employment Bodily Injury

    Excludes bodily injury to employees or subcontractors during employment

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    • Consequential Loss

    Excludes consequential losses like profit, opportunity, business interruption, market loss, or goodwill

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    • Intellectual Property Infringement

    Excludes infringement of plans, copyrights, patents, trade names, trademarks, or registered designs

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    • Defamation and Personal Injury

    Excludes libel, slander, false arrest, wrongful eviction, wrongful detention, defamation, and resulting mental injury

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    • No-Fault Liability

    Excludes liability under the Public Liability Insurance Act 1991 or any other no-fault liability law

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    • Management Neglect

    Excludes claims from management's deliberate, conscious, or intentional neglect to prevent bodily injury or property damage

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    • Pre-Insurance Period Claim

    Excludes claims made, threatened, or intimated against the Insured before the insurance period

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    • Note

    Please read policy wording for detailed exclusion list

    What is Product Liability Insurance (PLI)?

    Product Liability Insurance (PLI) is a business insurance which adds financial protection against losses from potential lawsuits from affected parties. This insurance is usually suitable for businesses that operate in the manufacturing sector, involve the distribution or sales of goods, and may cause bodily injury or damage to the property of a third party due to product malfunctions or defects. 

     

    Such businesses also bear risks of product defects, malfunctions, design flaws, or inadequate warnings, which may harm third parties, triggering a costly lawsuit. With product liability coverage, businesses can easily recover from lawsuits and their owners can focus on growth instead of worrying about such expenses. 

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    Quick Overview

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      Coverage: It covers product-centric businesses like those in manufacturing, distribution, retail, etc., prone to product liabilities.

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      Preserve Finances: It provides financial protection from a wide range of legal expenses, including court, lawyer fees and claimant’s costs due to a lawsuit. 

    • 3

      Safeguards Reputation: As you can manage claims, compensations and lawsuits, it implies that you take consumer concerns seriously.  

    • 4

      Builds Trust: Business partners or clients expect you to have this insurance. By obtaining it, you build a sense of assurance in them, which helps instill trust.  

    • 5

      A Wide Range of Add-Ons: At Bajaj General Insurance, you get a wide range of add-on options that increase the overall scope of your insurance coverage. 

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      Hassle-Free Insurance Purchase: You can purchase product liability insurance completely online by filling in details, getting a quote and paying for the same. 

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    Why Should You Choose Product Liability Insurance?

    If you are in a manufacturing business, in the retail sector, or your operations involve wholesale and distribution, you may need to consider a product liability insurance policy. For a better understanding, here are some reasons explained:

    • Protect Your Manufacturing Business

      Manufacturing businesses carry the risks of defects or malfunctions. Suppose, due to a malfunction, a customer gets hurt, and they file a lawsuit. To deal with legal fees, this insurance comes in handy.

    • Cover Your Wholesale and Distribution

      In a distribution or wholesale business, product defects may be present. A third party may raise a claim for injuries or damages. A product liability policy helps pay compensation or legal expenses.

    • Protects Construction Projects

      Contractors use machinery, and if the use of such equipment results in injury or property damage, it leads to a potential claim. A PLI helps to bear such additional expenses.

    • Add Protection to Your Retail Business

      Products a retailer sells may involve risks. Suppose a batch of sold handwash causes an allergic reaction. Customers may sue, alleging your negligence in not checking adequate warnings on the product label. This calls for product liability insurance.

    • Coverage for Food and Beverage Providers

      Businesses like restaurants serving food and beverages are at risk of food contamination and other issues impacting consumers’ health. In such cases, a PLI helps compensate or manage lawsuit expenses.

    • A Safety Net for Cosmetic Businesses

      The final products of businesses in the beauty industry are prone to risks, as they may cause skin infection, hair damage, etc. These lead to claims, which this insurance covers.

    • Safeguard Your Reputation

      A product liability claim is not only about financials, but it also damages brand reputation. Product liability insurance efficiently handles such claims or lawsuits that protect reputation and ensure business continuation.

    • Affordable Protection

      Lawsuits may bring up a significant financial burden, which may drain your funds faster. Thus, opting for a product liability policy can be more affordable, saving you from higher losses.

    What Does Product Liability Insurance Cover?

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      Legal Liability : This insurance takes care of legal liabilities arising from defects or malfunctions of your products. Liabilities include accidental bodily injuries and property damage, causing a third-party claim or lawsuit.

    • 2

      Claimant's and Defence Costs: A product liability insurance covers overall costs when an affected party raises a claim. It covers claimant’s costs, court-related and other defence expenses and thus saves you from financial strain.

    • 3

      Business Operations: Applies to claims arising in the course of your business operations where products manufactured, sold or supplied by you become the subject of a liability claim, dispute, or a legal lawsuit.

    • 4

      Directors and Officers Coverage: Its coverage extends to the directors, officers, and legal representatives of the insured business. It applies to claims arising from the insured business's operations.

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      Employees Coverage: Its coverage extends to the insured's permanent and temporary employees. It applies to claims arising from the insured's conduct of their business and related operations.

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      Extended Insured Protection: Under the insured clause, nominees of insured persons remain protected under this policy. It applies only to liabilities incurred by such persons during covered business activities within the policy period.

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    Available Add-Ons for Product Liability Insurance

    • 1

      Product Recall Coverage: You may sometimes need to recall products due to product defects or any other concerns. This involves additional expenses, and with this add-on, you can cover communication, logistical, disposal and other expenses. 

    • 2

      Faulty Design Coverage : In manufacturing businesses, products are prone to design flaws, potentially leading to claims. This add-on protects against consumer compensation arising from injuries or damages caused by faulty designs.

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      Extended Coverage for Product Warranties : It can be effective for products that come with warranties. With this, get a financial cover on claims due to defects, design flaws, and other eligible reasons on products under warranty.

    • 4

      Subcontractor Liability : Suppose a business hires subcontractors for its operations, such as product manufacturing and others. With this product liability insurance add-on, the business covers potential liability claims arising from subcontractor actions.

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      Environmental Damage Coverage : Product manufacturing or other product-specific business operations may leave environmental footprints which may negatively impact environmental elements. This add-on protects you against claims arising from pollution, contamination, etc. 

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      Cyber Liability for Product Data : Products that collect consumer data are prone to cyber threats. This add-on protects your business against claims arising from the exposure of sensitive information of consumers, helping to protect capital and reputation.

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    Why Do You Need Product Liability Insurance in India?

    After understanding its exclusion and add-ons, you must have an idea that product-centric businesses are prone to various risks. Therefore, if you are wondering why you may need it, the primary reasons include financial coverage, compliance, trust building and more:
    Damage or injuries from your product and lawsuits or compensations can leave immense pressure on your business funds. Such insurance handles legal expenses, lawyer fees, settlements, compensation costs, etc.
    Regulatory requirements in India evolve regularly. This insurance provides coverage against penalties and other eligible consequences arising from failure to comply with updated safety and quality standards that the authorities set.  
    Sustaining in a competitive market requires developing a reputation. Having a product liability insurance showcases that your business considers customer safety as a priority and is prepared to handle claims. 
    While operating in the market as a business, you may need to partner with other businesses and maintain client satisfaction. A PLI helps foster trust among partners and customers alike.
    Businesses producing consumables like food and beverages, pharmaceuticals, etc., deal with risks as manufacturing errors may lead to serious harm. If you operate in such a sector, deal with claims with insurance. 
    Construction-centric businesses or enterprises dealing with electronics or electricals inherit risks that may cause property damage. You may need this insurance to cover compensation or lawsuits if your products cause property damage. 
    If you send products overseas, you must stay compliant with international requirements. With this insurance, you get this coverage as an optional one and get protection against claims in foreign countries.
    Risks may appear from any stage of a product lifecycle, like manufacturing, packaging, storage, distribution and sales. With this, cover risks from the phase of the product lifecycle and safeguard against expenses.
    If you have a small business or start-up, an unexpected claim not only impacts your reputation but also drains your finances. A product liability insurance ensures that your operating capital stays secure and you do not arrive at the brink of collapse.
    You can ensure a continuity of financial liquidity as your working capital does not get frozen to pay for the lawsuits or compensation. As this insurance tackles such expenses, you can still continue daily business operations.

    Why Buy a Product Liability Insurance Policy Through Bajaj General for Business?

    To protect your business from product liabilities, you may be seeking a trusted insurer which can handle claims effectively. Getting a product liability insurance from Bajaj General Insurance brings you the following benefits:
    Whether you operate in manufacturing, distribution, or retail, you need product liability suited to your business. We let you customise policy as per business needs, risk, etc.
    We bring you this policy at an affordable premium. It ensures that businesses of any size get robust coverage without straining the budget.
    Purchasing this insurance from us is easy and online. All you need to do is complete the form on this page, get a quote, make a payment and instantly receive your policy.
    When a third-party claim arises, we understand that it is a financial emergency. So, you just contact us and provide supporting documents and get the settlement as per policy terms. 
    Timely renewals keep your policy active and ensure you get continued coverage. Contact us, share your policy details, get a renewal quote, and pay to renew your plan. 
    With Bajaj General Insurance, you have expert guidance at your disposal. Our experts with core policy understandings are there to help you with claims, queries and legal matters.
    Safeguard your business reputation with a product liability insurance from Bajaj General Insurance. Our plan covers not only your legal expenses but also the costs of the claimants.
    Operating since 2001, we have decades of experience in the insurance realm. We provide reliable support at every stage of your insurance journey.

    Eligibility Criteria to Buy Product Liability Insurance

    Now that you have understood the key reasons to purchase a product liability insurance, you must note its eligibility norms. This is important because insurers, based on eligibility, assign a coverage amount and other benefits:

    Eligibility Criteria Description

    Business type

    Businesses dealing with products such as those in manufacturing, distribution, retail, wholesale, etc., can get this insurance. 

    Insured persons

    Business owners, directors, officers, and legal representatives of an insured business are eligible as they carry out its business activities. 

    Insured persons (covering employees)

    Their eligibility further includes coverage for both temporary and permanent employees for issues solely arising from their conduct of an insured business. 

    Committee and its members

    Members and committees of social institutions of an insured business are also eligible to get the extended coverage of this policy. 

    Personal representatives of the estate

    This policy extends coverage to the executors of a deceased insured person's estate. It limits protection to liabilities that the individual incurred.

    Documents Required for Product Liability Insurance

    As you decide on purchasing a product liability insurance, you must prepare some key documents for a seamless experience. For this, take a look at the following section and prepare them while purchasing this insurance:
    You may need to produce your business registration documents, as it is important to verify a legitimate business. Along with that, produce the business PAN, the owner's Aadhaar Card, etc., for identity and address verification. 
    In the proposal, state the products you want to secure with the liability insurance. Also mention the characteristics of those products and fill in other product-specific information. 
    Clearly mention the turnover details that your business makes in the same form. Attach supporting documents to declare turnover of the current and previous 3 financial years.
    Mention banking details such as name, account number, branch IFSC code and other details. If required, attach supporting documents as proof of ownership of that account. 
    In case you have made previous claims, mention those incident details. If required, you may need to attach or submit your old insurance details. 
    In case you are an existing policyholder, mention that while purchasing the policy. You may need to prepare relevant policy documents and attach them as proof. 
    For vendor extension, produce a copy of the contract with your vendors and mention the names of the products to be insured. 
    To get a contract-specific product liability cover, furnish a copy of the contract with contract-specific turnover bifurcation. 

    Why Bajaj General Insurance?

     
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    Comprehensive Coverage

    Protects against legal & financial liabilities

    Customisable Plans

    Tailor-made policy covers to suit different business needs
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    Fast & Hassle-Free Claims

    Efficient claim settlement with minimal documentation

    Risk Mitigation Services

    Expert guidance on loss prevention and business continuity

    24/7 Customer Support

    Round-the-clock assistance for policyholders
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    Hassle-Free Claims

    Quick processing to minimise work disruptions
    Assistance

    Renewal Options

    Easy renewal to ensure uninterrupted coverage
    Assistance

    Customisable Policies

    Tailored plans for businesses of all sizes

    Step-by-Step Guide

    How to Buy Product Liability Insurance Online?

    How to Buy

    • 1

      Visit the Bajaj General Insurance website

    • 2

      Fill in the lead generation form with accurate details

    • 3

      Get quote, make payment and receive the policy documents

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    How to Renew

    • 1

      Contact the Policy Issuing Office

    • 2

      Review expiring policy and share necessary details

    • 3

      Receive renewal quote

    • 4

      Make renewal payment

    • 5

      Receive the renewed policy documents via email

    Renew Now

    How to Claim

    • 1

      Contact us through our customer service touchpoints

    • 2

      Submit the claim form along with the necessary documents

    • 3

      Provide details of the incident and any supporting evidence

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      Cooperate with the claims investigation process

    • 5

      Receive the claim settlement as per the policy terms

    Claim Now

    Know More

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      For any further queries, please reach out to us

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      Toll Free : For Sales :1800-209-0144

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      Email ID: careforyou@bajajgeneral.com

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    How to File a Claim for Product Liability Insurance?

    Making a claim of product liability insurance is easy, but it depends on the claim type. Here is how you make a cashless and a reimbursement claim:

    Cashless Claim

    Inform us immediately once you are aware of a product-specific incident that has happened or a third party has raised a claim.
    Share important details in the claim form, such as the product details, nature of damage it has created, affected parties and supporting evidence.
    You may need to submit other documents. These may include documents such as product records, invoices, legal communications, and other requested documents. 
    You may need to cooperate with the investigation process for a claim assessment. 
    Upon approval, we will settle your claim by covering the expenses as per your policy terms. 

    Reimbursement Claim

    Notify us about the incident to initiate your claim process at the earliest. 
    Arrange details of compensations, legal defence and other eligible expenses that you made payment for out of pocket. To ensure this, retain all payment proofs. 
    Complete the claim form, attach invoices, payment receipts, court notices, and supporting documents.
    We will then verify your submitted claim form and documents for evaluation. 
    After a successful evaluation, we will settle your claim and you will receive that amount as per the policy terms. 

    Frequently Asked Questions on Product Liability Insurance

    What is Product Liability Insurance?

    Product Liability Insurance protects businesses from claims related to product defects that cause injury or damage. Whether you manufacture, distribute, or sell products, you could be held legally responsible if something goes wrong. This insurance helps cover legal expenses, medical costs, and compensation claims arising from faulty or unsafe products. It is essential for businesses to safeguard themselves against financial losses resulting from product-related lawsuits, recalls, or third-party damages.

    Who needs Product Liability Insurance?

    Any business that makes, sells, or distributes products—like manufacturers, retailers, wholesalers, or distributors—should have Product Liability Insurance. It protects against claims if a product causes injury or damage.

    What does Product Liability Insurance cover?

    Product Liability Insurance typically covers three main areas. First, it includes manufacturing defects, which are flaws that occur during the production process and make the product unsafe to use. Second, it covers design defects, where the product's inherent design is dangerous, even if manufactured correctly. Lastly, it includes marketing defects, such as improper labelling, lack of safety warnings, or inadequate instructions that can lead to misuse and potential harm.

    What are the exclusions under a Product Liability Insurance policy?

    Common exclusions include Intentional wrongdoing or fraud, Contractual liability, Product recalls, wear and tear or gradual deterioration.

    How much does Product Liability Insurance cost?

    The cost of Product Liability Insurance varies based on several factors, including the type of products you sell, the size of your business, and your claim history. On average, a small business can expect to pay between $400 and $1,200 per year for coverage. Businesses dealing with high-risk products may face higher premiums.

    What happens if I don’t have Product Liability Insurance?

    Without Product Liability Insurance, your business faces significant financial risk. A single product-related lawsuit can lead to high legal fees and compensation costs, which could seriously impact or even shut down your business. This insurance provides essential protection against such unexpected liabilities.

    Who Needs Product Liability Insurance?

    Product Liability Insurance (PLI) is essential for businesses involved in manufacturing, distributing, or selling products. This includes manufacturers, retailers, wholesalers, contractors, food and beverage companies, cosmetic and pharmaceutical businesses and importers/exporters, all of whom face potential risks from defective products. General liability insurance can also help businesses protect against broader liabilities beyond just product-related claims. For businesses operating in sectors like shipping, marine liability insurance may be an additional consideration for handling risks associated with waterborne goods.

    Is Product Liability Insurance Mandatory in India?

    Product Liability Insurance is not legally mandatory in India. However, businesses dealing with products are strongly advised to have this coverage to protect against the financial and legal risks arising from product defects. For broader protection, companies may also consider general liability insurance coverage, which addresses a variety of liability risks, or even professional liability insurance for service-based industries.

    What is Excluded Under This Policy?

    Product Liability Insurance typically excludes claims arising from:

    ● Intentional product defects or damages

    ● Products not in compliance with safety standards

    ● Product misuse or negligence by the consumer

    ● Contractual liability not related to product defects

    ● Damage caused by faulty installation or maintenance.

    Additionally, liability insurance coverage may not apply to claims outside the scope of the agreed policy, such as public liability and professional indemnity insurance exclusions.

    Can I Customise the Coverage with Add-Ons?

    Yes, you can customise your Product Liability Insurance policy with add-ons like:

    ● Product recall coverage

    ● International coverage

    ● Environmental damage protection

    ● Legal expense cover

    These add-ons can tailor your policy to meet your business's specific needs. For companies with a global presence, marine liability insurance can be an important add-on to cover overseas shipping risks, while businesses in the service sector may need professional liability insurance for added protection.

    How is the Premium Calculated?

    The premium for Product Liability Insurance is typically calculated based on:

    ● Type of product or industry

    ● Business turnover and sales volume

    ● Risk associated with the product

    ● Claims history

    ● Geographical reach and market

    Higher-risk products or sectors may attract higher premiums. If you're looking for broader coverage, you may also want to explore company liability insurance or public liability and professional indemnity insurance policies to ensure comprehensive protection.

    What is the Principle of Product Liability?

    The principle of Product Liability holds manufacturers, distributors, and retailers responsible for injuries or damage caused by defective products. It ensures that consumers are protected, and businesses are held accountable for the safety, quality, and performance of the products they sell. General liability insurance and professional liability insurance are both valuable policies for businesses looking to protect against various forms of liability risk in addition to product-related claims.

    How much liability coverage should I purchase?

    The amount depends on your business size, industry risks, and contractual obligations. Assess potential lawsuit costs, client expectations, and industry standards. A higher coverage limit protects against costly claims, preventing financial losses.

    Can liability insurance cover employees’ mistakes?

    Yes, professional liability insurance covers errors employees make while performing work duties. If a client sues over financial loss due to an employee’s mistake, the policy covers legal expenses, settlements, and claims. However, intentional wrongdoing or fraudulent actions are typically excluded from coverage.

    Does liability insurance cover cyber-related risks?

    Standard liability insurance does not cover cyber risks like data breaches or hacking incidents. Businesses handling sensitive customer data need cyber liability insurance. This policy covers legal fees, customer notification costs, regulatory fines, and recovery expenses.

    What’s the difference between occurrence-based & claims-made policies?

    Occurrence-based policies cover claims from incidents during the policy period, even if reported later. Claims-made policies cover only claims reported during the policy’s active term.

    How is liability insurance different from other business insurance?

    Liability insurance specifically covers claims from third parties for injuries, damages, or negligence. Unlike property insurance, which protects assets, or workers’ compensation, which covers employee injuries, liability insurance focuses on legal claims from external individuals or businesses against you.

    How do I file a liability insurance claim?

    To file a liability insurance claim, notify your insurer immediately, provide details about the incident, gather evidence such as photos or witness statements, and complete the claim form. The insurer will investigate, assess the damages, and determine coverage eligibility before processing the settlement based on policy terms.

    Can a liability claim be denied?

    Yes, a liability claim can be denied if the policyholder is found not liable, the incident is excluded from coverage, there’s insufficient evidence, or the claim is fraudulent. Reviewing the policy terms and providing accurate documentation can help avoid unnecessary claim rejections.

    How does a liability claim affect my insurance premium?

    A liability claim may increase your insurance premium, as insurers assess risk based on claim history. Multiple claims or high-value payouts can label you as a higher risk, leading to higher renewal costs.

    How long does it take to settle a liability claim?

    The time to settle a liability insurance claim varies based on its complexity, documentation, and insurer policies.

    What should I do if my claim is denied?

    If your liability claim is denied, review the denial letter and policy terms to understand the reason. You can appeal by providing additional evidence.

    When should I renew my liability insurance policy?

    You should renew your liability insurance before expiration to avoid coverage gaps. Most insurers send renewal notifications a few days before expiration. Reviewing your policy early allows time for adjustments if needed.

    How do I check my liability insurance renewal date?

    You can find your renewal date on your policy documents, your insurer’s website, or their mobile app. Most insurers also send renewal reminders through email, SMS, or postal mail. If you're still unsure, it's best to contact your insurance provider or agent directly to confirm the renewal details.

    Can I switch insurers while renewing my liability insurance?

    Yes, you can switch insurers at renewal if you find a better policy. Compare coverage, premiums, exclusions, and customer service before switching.

    What documents are needed for liability insurance renewal?

    Insurers typically require your current policy details, claim history, updated business information, and financial records. Some may request risk assessment reports or compliance documents.

    Are there discounts available when renewing liability insurance?

    Yes, insurers offer discounts for claim-free records, risk management measures, bundling policies, and long-term loyalty. Some also provide reduced rates for businesses with strong safety protocols or low-risk profiles.

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