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Short answer: an importer should make sure the insurer understands what products enter the UK market, from where, under whose brand and through which sales channels. A policy may cover specified legal liability, but the product description, territorial scope, limits, exclusions and conditions determine its reach.
Describe the real supply chain
Tell the broker whether you manufacture, rebrand, distribute or sell goods made by another business. Provide product categories, materials, intended users, countries of origin, annual sales and any testing or certification evidence. A generic description such as “online retail” may not explain the hazard presented by electrical goods, toys, cosmetics, food or equipment.
Product liability and product recall are different covers. A liability section may respond to certain claims for injury or property damage, while recall cover, where available, can have separate triggers and costs. Do not infer that withdrawal expenses or replacing unsold goods are included.
What to keep
- Supplier and batch records, product specifications and quality checks.
- Complaints, incident reports and corrective actions.
- Sales channels, territories and labels used on products.
- Customer and supplier contracts that impose insurance requirements.
Explore Insure24’s business insurance information and ask about an enquiry. Insure24 is a broker; insurer appetite and cover depend on the goods, risk details and policy wording.
General information only. Check product compliance obligations with the relevant official guidance.
Common questions
Does this article replace insurance advice?
No. It is general guidance only. The right policy still depends on the business activity, contracts, locations, turnover, staff, assets, claims history and insurer wording.
What information should I prepare before asking for quotes?
Prepare turnover, wage roll, activities, locations, contract requirements, claims history, asset values, existing policy details and any deadlines for evidence of cover.
Where should I go next?
Use the main Amazon Seller Product Liability Insurance page if you are ready to compare quote-led cover options or talk through the risk with Insure24.