Product Liability Insurance

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Product Liability Insurance Features

Universally Accepted
Insurance recognized by investors, external agencies and international companies. Meets contractual requirements that you may have.
Cost of body or property damage caused to any third party due to a defect in your product is covered. Litigation costs and court awards also covered. The damage could be anywhere. Litigation overseas can also be covered.
Original Retroactive Date
Covers claims related to any event after the retroactive date. This is specified as the start date when the first Product Liability insurance was bought. Ensures that cases that come about several years after the incident also covered.
Industry Specific
The products being made are specified once while placing the insurance. Rates and specific terms vary by industry. Relevant most for manufacturing as well as services such as restaurants.

Why Claims Get Rejected?

Prior period exclusion

Claims pertaining to a period before the retroactive date are not covered. If there is a break in the renewal of the insurance then the retroactive date is reset to the start date of the new insurance. We prevent this by ensuring timely renewal.

Known Issues

Claims that come about from an issue that was known before the insurance was bought are rejected. The insurer will cross examine the case closely to see when the company became aware of the matter. This can be addressed by clearly describing any known issues when you buy your first Public Liability cover.

Product Recall

Product recall or product guarantees provided are excluded. Claims pertaining to repair of the defective product are also not typically paid.

Why SecureNow

Product Knowledge

We have specialized underwriters and tie-ups with international experts.


We work with all insurers to get you the best options- both in terms of price and features.

Quick Turnaround

Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.

Strong Claim Support

We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.

Value Added

We will advice you on risk management best practices.

Policy Administration
System (PAM)

See all your contracts and renewal information in one place. Place service requests on PAM.


Product liability insurance policy is taken by enterprise of companies that design and produce physical goods that are sold through retail or distributed for free for any kind of marketing or promotional event.
Compare the quotes online, in order to get the best product liability insurance quote.
Yes, whether you manufacture, distribute or the name of your companies is on a product, you will be legally liable in case of an untoward incident arising from the use of the product in question. Therefore, to save your company from any kind of financial loss as a result of expensive payout ,reach out to a product liability Insurance companies.
In case of a registered report with the company that is likely to raise liability, the insured party must inform the insurer. If the company received a legal notice, the same must also be sent to the insurer.
Under such policies, sum insured is referred as indemnity limit. As per New India Insurance co Ltd, the limit is fixed per accident and per policy period which is called Any One Accident (AOA) limit and Any One Year (AOY) limit respectively. The ratio for which is chosen as under:
  • 1:1
  • 1:2
  • 1:3
  • 1:4
The premium cost of you product liability insurance is usually determined by the risk the given product represents, besides factors like business turnover, country of export, quality control procedure followed by a company etc.

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