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PRODUCT LIABILITY & RECALL INSURANCE THAT PROTECTS YOUR BUSINESS
Engineering and manufacturing businesses face significant exposure if a product causes injury, property damage, financial loss, or fails regulatory standards. Even a single defective component can trigger claims running into millions.
What Is Product Liability & Recall Insurance?
Product Liability Insurance protects manufacturers, engineers, fabricators, assemblers and distributors if a product they design, make, modify or supply causes injury or damage.
Product Recall Insurance goes further — covering the costs of withdrawing unsafe or defective products from the market, notifying customers, logistics, disposal, re-manufacture and brand rehabilitation.
- Injury or death caused by defective products
- Damage to third-party property
- Legal defence and compensation costs
- Regulatory investigations and enforcement
- Product recall logistics and crisis management
Who Needs Product Liability & Recall Insurance?
If you manufacture, engineer, assemble, modify, import or brand products, you are legally exposed — even if the defect originated elsewhere in the supply chain.
- Engineering firms & component manufacturers
- Machinery & equipment manufacturers
- Electrical, electronic & control systems producers
- Automotive & transport parts suppliers
- Metal fabrication & precision engineering
- Importers, wholesalers & distributors
- OEMs & own-brand manufacturers
What Does Product Liability & Recall Insurance Cover?
Product Liability Cover
- Third-party injury or death claims
- Property damage caused by products
- Legal defence costs
- Compensation and settlement awards
- Worldwide jurisdiction (where required)
Product Recall Cover
- Recall notification costs
- Product retrieval and transport
- Disposal or destruction
- Replacement, repair or re-manufacture
- Crisis management & PR support
Why Product Liability & Recall Insurance Is Critical
Under UK and EU product safety law, liability is strict. This means claimants do not need to prove negligence — only that the product was defective and caused harm.
Claims can arise years after a product is sold and can involve multiple jurisdictions, regulators and class-action litigation.
Why Choose Insure24?
- Specialists in engineering & manufacturing risks
- Access to UK & global insurers
- High-limit and export-ready cover
- Claims-led advice, not generic sales
- Fast quotations and expert underwriting support
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FREQUENTLY ASKED QUESTIONS
What is product liability insurance?
Product liability insurance covers claims arising from injury or damage caused by products you manufacture, supply or distribute.
Is product liability insurance a legal requirement?
While not legally mandatory, it is essential for manufacturers and often required by contracts, retailers and export partners.
What is the difference between product liability and recall insurance?
Product liability covers injury or damage claims. Recall insurance covers the cost of removing unsafe products from the market.
Does cover apply worldwide?
Yes — policies can be structured for UK, EU, US and worldwide exports, subject to underwriting.
How much product liability cover do manufacturers need?
Limits typically range from £1m to £10m+, depending on product type, industry, turnover and export exposure.
Does insurance cover design defects?
Yes, subject to policy terms, including defective design, manufacture and warnings.