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PROTECT YOUR BRAND, PRODUCTS & CUSTOMERS
Why Product Liability Insurance Matters for Shops
If you sell own-brand, private-label or food products, you can be held legally responsible for injury, illness or damage caused by those goods. Product liability and recall insurance protects your business against claims, legal costs and the financial impact of product recalls.
What Does Product Liability & Recall Insurance Cover?
Specialist protection for retailers placing products onto the market.
- Product liability claims for injury or property damage
- Food poisoning and allergen-related claims
- Legal defence costs and compensation awards
- Product recall costs (withdrawal, disposal, notification)
- Third-party testing and investigation costs
- Worldwide cover (subject to policy terms)
Who Needs Product Liability & Recall Cover?
- Retailers selling own-brand or private-label products
- Food shops, delis, butchers and farm shops
- Shops importing goods from overseas suppliers
- Retailers re-packaging or re-labelling products
- Businesses supplying products online or in-store
Why Choose Insure24?
- Specialist advice on product & food liability risks
- Support with allergen, labelling & recall exposures
- Flexible limits for growing product ranges
- Access to insurers experienced in recall risks
- Claims guidance when incidents occur
FREQUENTLY ASKED QUESTIONS
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Do shops need product liability insurance?
If you sell products under your own name, import goods, or alter/re-package items, you can be legally responsible for defects and should have product liability cover.
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Is food poisoning covered?
Product liability insurance can cover food poisoning or allergen-related claims, provided the policy is correctly arranged and hygiene standards are followed.
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What costs does product recall insurance cover?
Recall cover can include withdrawal of products, customer notification, disposal, testing, logistics and professional fees.
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Does this replace public liability insurance?
No. Public liability covers injuries on your premises, while product liability covers harm caused by products you sell. Most retailers need both.
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Is cover needed if I source products from UK suppliers?
Yes. Even if products are sourced from UK suppliers, retailers can still be pursued in claims if they place products into circulation.