Ship with confidence into litigious markets.
Coverage for legal liability arising from product defects causing injury or damage — essential for exporters to the US, EU, and other strict-liability markets.
Product Liability Insurance
Protection against product defect claims worldwide
- Jurisdiction
- Worldwide incl. US
- Defense Costs
- In addition to limits
- Typical Limits
- $1M – $10M
- Certificates
- Buyer & platform compliant
Product Liability Insurance
Protection against product defect claims worldwide
Product Liability Insurance protects manufacturers, exporters, and distributors against claims for bodily injury or property damage caused by defective products. In markets like the United States and European Union, product liability is strict — you can be held liable regardless of fault.
Our programs provide worldwide jurisdiction coverage, legal defense costs, and recall expense extensions, satisfying the insurance requirements of major retailers, distributors, and marketplace platforms.
Coverage & Reach
Who It's For
Who Needs Product Liability Insurance?
Manufacturers exporting to the US, EU, or other strict-liability markets
Companies selling through Amazon, Walmart, or major retail platforms
Automotive parts and component suppliers
Consumer electronics and appliance manufacturers
Food and beverage producers and distributors
Why It Matters
Key Benefits of Product Liability Insurance
Worldwide jurisdiction including US & Canada
Legal defense costs covered in addition to limits
Strict liability market protection
Retailer & marketplace requirement compliance
Product recall expense extensions
Umbrella and excess liability options
What's Included
Coverage Features & Capabilities
US & EU Market Access
Coverage structures accepted by Amazon, Walmart, EU distributors, and major retail chains.
Defense Cost Coverage
Legal defense costs paid in addition to policy limits, protecting your full coverage.
Recall Extension
First-party recall expenses including notification, shipping, and disposal costs.
Vendor Certificate Program
Rapid certificate issuance naming buyers as additional insureds.
Important Information
Standard Coverage Exclusions
The following are typically excluded from standard policies. Specific terms vary by placement.
- Damage to the defective product itself
- Cost of product recall without third-party injury or damage
- Claims arising from known defects before policy inception
- Punitive damages in jurisdictions where insurable
- Professional services or design errors (covered under PI)
How It Works
Your Path to Protection in 4 Steps
Product Risk Assessment
We evaluate product categories, target markets, and sales volumes.
Limit Structuring
Set appropriate limits based on market requirements and exposure.
Market Placement
Coverage placed with specialist product liability underwriters.
Certificate Management
Ongoing certificate issuance for buyers and platforms.
Claims
How Claims Work
A clear, structured claims process designed for fast resolution.
Incident Report
Notify us immediately upon receiving a claim, demand letter, or notice of injury. Provide product details, batch numbers, and incident circumstances.
Legal Panel Activation
We appoint specialist product liability defense counsel in the relevant jurisdiction to manage the defense from day one.
Investigation & Evidence
Our team coordinates product testing, manufacturing record review, and expert witness engagement to build the defense.
Resolution
Claims are resolved through negotiated settlement or court judgment. Defense costs are paid as incurred, not deducted from limits.
The Thai Insurances Advantage
Why Choose Thai Insurances
We are a single accountable insurance partner combining deep market access, specialist underwriting, and global claims capability — so your coverage is engineered as a system, not assembled from fragments.
- Specialist US product liability market access
- Certificates meeting Amazon, Walmart, and EU requirements
- Defense costs in addition to limits — not eroding coverage
- Recall response team and crisis management support
$4.2B+
Trade Value Protected
12,000+
Verifications Completed
87
Countries Covered
3,500+
Active Clients
Common Questions
Frequently Asked Questions
US product liability law imposes strict liability — injured parties can sue any party in the supply chain regardless of fault. Buyers require suppliers to carry insurance (typically $1M-$10M) and name them as additional insureds.
Explore Further
Related Services
Commercial Liability Insurance
Public liability, products liability, professional indemnity, and directors & officers coverage for comprehensive liability protection.
Learn moreTrade Credit Insurance
Coverage against buyer insolvency and protracted default, enabling confident credit sales to domestic and international buyers.
Learn moreProduct Inspection
Pre-shipment, during-production, and destination product inspections against international quality standards — AQL sampling, functional testing, and specification compliance.
Learn moreSectors We Serve
Industries Covered
Learn More
From the Knowledge Hub
Ready to Secure Your Product Liability Insurance?
Get a tailored proposal within one business day. Our specialists will structure coverage, terms, and pricing around your specific operations.
Visit Our Office
Business Hours
Monday – Friday: 8:30 – 18:00 (GMT+7)
Saturday: 9:00 – 13:00 (GMT+7)
24/7 claims hotline for policyholders
Quick Enquiry
Prefer a structured request? Our quote form captures everything our specialists need to respond with a binding proposal.
Start a Quote Request