We get many calls from clients or prospects asking about California Product Liability Insurance coverage. Did you know this coverage may already be included in your business’s General Liability Insurance policy? Insurance companies often include product liability insurance coverage for businesses to protect them against product defect claims. Product Liability protects you against your legal liability for selling or using a product that causes bodily injury or property damage to the consumer.
Manufacturers, distributors, and importers need the insurance coverage that comes from having selling or manufacturing these goods that are found every day on store shelves and used by individuals, families and households. This creates an increased exposure to business owners to product liability claims.
Business owners in the manufacturing sector (petroleum, steel, automobile, chemicals, pharmaceutical product, electronics, food processing, consumer goods, and clothing) are especially vulnerable to these types of claims. But even if a business owner imports a product and sells it here locally, the seller is responsible for claims in the United States. Gary Warner Insurance Agency always reviews our client’s California business insurance coverage to make sure they are properly covered for the exposures that might exist. Every year we review the policy and identify areas that may need updating to protect your business. We know how important it is to have an insurance policy that is flexible and adjusts to your company’s needs. We make sure you are able to grow and expand your California business and provide you the right insurance coverage at the right price.