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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.