List of Product Liability Insurance Companies in the United Kingdom

Product liability insurance provides coverage in case you face claims due to personal injury or property damage. No product is ‘risk-free’ when it comes to potential safety hazards – which can be caused by unforeseen manufacturing or design errors.

In short, product liability insurance can serve as your last line of defense, if something goes wrong despite your best efforts.

In this guide, we list some of the United Kingdom’s leading product liability insurance providers, covering both insurance companies and brokers.

Is product liability insurance mandatory in the United Kingdom?

Product liability insurance is generally voluntary. Hence, you can normally import and sell products without product liability insurance. That being said, many retailers and Amazon have product liability insurance requirements in place for their suppliers and third-party sellers.

Product Liability Insurance Companies

An insurance company sells insurance policies directly to the buyers, or via brokers and agencies. The difference between insurance companies and insurance brokers or agencies is that the latter do not issue insurance policies. Instead, they match insurance companies with specific buyers.

Note that not all insurance companies offer product liability insurance. The types and coverage of product liability insurance are also different, depending on the insurance companies.

AXA UK

AXA UK is part of the AXA Group, which is one of the largest insurance brands in the world. Currently, AXA Group provides insurance services for 94 million customers worldwide and employs more than 147,000 staff.

AXA UK specialises in providing business insurance to protect businesses, homes, and cars through a wide range of products, including product liability insurance.

Their product liability insurance is designed for manufacturers, sellers, or suppliers to protect them from the potential costly lawsuits or medical and damages compensation brought by claimants. For small business owners, AXA UK allows paying the premium monthly depending on eligibility.

Product Categories

• Furniture
• Crafts
• Food and beverage

Insurance Scope

• Up to GBP 1 million liability cover
• Third-party injury or damage caused by defective product coverage

Address: 20 Gracechurch Street, London, EC3V 0BG, United Kingdom

AVIVA

The history of AVIVA can be traced back to more than 320 years ago, in London, where the company provided life insurance to the citizens. Today, AVIVA has around 19.5 million customers.

AVIVA’s product liability insurance provides protection against claims regarding damages to people and property. The insurance covers the costs of defending claims and other compensation.

The company also provides product liability guidelines and checklist manuals to educate manufacturers, retailers, and other parties who import, export or sell consumer products.

Insurance Scope

• Covers the costs of defending claims
• Covers compensation that may be agreed upon or awarded by the court

Address: 80 Fenchurch Street, London, EC3M 4AE, United Kingdom

Direct Line

Direct Line is an insurance company providing a full portfolio of insurance products to businesses and individuals in the UK. Currently, the company has over 500,000 policies across the United Kingdom.

Direct Line offers product liability insurance to manufacturers, importers, suppliers, and distributors in annual coverage. In addition, Direct Line offers product liability insurance packages combined with public liability insurance, which maximises the interest of companies that may encounter occurrences of customers getting injured or ill because of their business activities.

Insurance Scope

• Compensation up to GBP 10 million
• Cover online sellers
• Allow customers to make changes to the policies for free

Address: The Wharf, Neville Street, Leeds LS1 4AZ, United Kingdom

Allianz Insurance plc

Allianz Insurance plc is part of the Allianz Group and is one of the largest insurers in the United Kingdom. The company has provided services to over 125 million customers across 70 countries worldwide.

The company’s product liability insurance can protect against claims made by the public regarding personal injury or property damage incurred from products. They also provide other forms of insurance such as commercial, personal, car and home insurance.

Insurance scope

• Protection against personal injury coverage
• Protection against property damage claims coverage

Address: Building 3, Guildford Business Park, Guildford, Surrey, GU2 8XG, United Kingdom

Hiscox

Founded in 1901, Hiscox provides insurance in more than 14 countries, including the United Kingdom, the United States, and countries in Asia, and Europe.

The company has insured over 400,000 businesses and has been awarded the Feefo Platinum Trusted Service Award. They also provide an easy way to buy insurance online and offer a liability cover of up to GBP 10 million, whereby customers can tailor the protection to their needs. Hiscox can also cover legal defence costs of up to GBP 100,000.

The company offers product liability insurance to producers involved in product design, production, alteration, repair, and supply. The insurance can help with illness, injury, or property damage caused by faulty products, and the premium starts from GBP 5.50 a month.

Insurance scope

• Costs of defending claims
• Costs of compensation

Address: 22 Bishopsgate, London EC2N 4BQ, United Kingdom

RSA Insurance

Based in London, RSA Insurance has served as a general insurance company for over 300 years and is present in over 170 countries and territories. The company offers both commercial and personal insurance. Specifically, they cover product liability under their Global General (Public and Products) Liability insurance.

RSA has to understand the business’s risk level before they can provide proper product liability coverage. As such, their risk consultancy team works with businesses around the world to ensure the clients receive the right amount of liability coverage.

Insurance scope

• Accidental injury
• Accidental property loss or damage
• Interference with loss of property resulting from trespass
• Financial loss

Address: Floor 8, 22 Bishopsgate, London, EC2N 4BQ, United Kingdom

Product Liability Insurance Brokers

An insurance broker sells insurance policies from different insurance companies. A broker is usually entrusted by the buyers to help them find suitable insurance products. Brokers charge a commission, handling, or management fees during the process.

Insync Insurance Solutions

Insync Insurance Solutions is an insurance broker that specialises in serving the industry of beauty, aesthetics, medical, and other consumer products. Insync Insurance Solutions provides fast quotation and online consultation services to help customers compare prices and coverage from more than 10 insurance companies in the UK.

The company offers product liability insurance suitable for manufacturers, online retailers, wholesalers, importers, and exporters including from China and the Far East. Insync also offers product liability insurance that covers up to 100% of exports to the United States, Canada, and the European Union.

In addition, they offer flexible plans, which include allowing the users to pay their premium monthly, or just pay for the specific services they need.

Product Categories

• Electronics
• Children’s products
• Beauty care products
• Adult goods

Insurance Scope

• Up to GBP 10 million limit of indemnity (higher limits available on request)
• Financial loss and reputational damage coverage
• Option to include public and/or employers’ liability

Address: Albany Park, Cabot Lane, Poole, Dorset BH17 7BX, United Kingdom

Clear Business

Clear Business was founded in 2008 as an independent commercial insurance broker in the UK. The company has a panel of insurance partners in the UK to work with, which allows them to compare insurance costs and present them to the clients.

Clear Business provides product liability insurance to manufacturers and importers. The company provides tailor packages to businesses of all kinds. In addition, Clear Business also provides product liability insurance to manufacturers or sellers who refurbish, repair, repurpose or resell the products.

The company guarantees that they do not charge any mid-term fees throughout the policy term period so there are no hidden fees for the users.

Product Categories

• Toys
• Kitchen products
• Furniture
• Computers and laptops
• Mobile phones
• Food products

Insurance Scope

• Legal costs coverage
• Defence costs coverage
• Additional claims cost coverage
• Up to GBP 5 million of cover

Address: No. 1 Dovecote, Old Hall Road, Cheshire, Sale, M33 2GS, United Kingdom

Tradesman Saver

Tradesman Saver was founded in 1984 as an insurance broker in Surrey, England. The company offers insurance services for over 200 different industries and professions, including manufacturers and traders.

The product liability insurance of Tradesman Saver includes four additional covers as part of the standard comprehensive package, including public liability, accidental death compensation, financial losses compensation, and legal expenses coverage. The amount of indemnity is as follows:

a. Financial losses: Tradesman Saver pays GBP 10,000 to GBP 50,000 for financial losses inflicted on a third party

b. Legal expenses: Tradesman Saver’s automatic insurance package provides up to GBP 250,000 for legal expenses

Insurance Scope

• Legal expenses coverage
• Accidental death compensation coverage
• Up to GBP 5 million public and product liability
• GBP 10,000 financial loss cover (with an option to increase to GBP 50,000)

Address: Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB, United Kingdom

Get Indemnity

Get Indemnity is a digital insurance broker that provides business insurance to a wide breadth of industries, including manufacturing, commercial and retail. Get Indemnity helps users to compare liability insurance packages from different insurers. They also provide no-obligation quotes from a range of competing insurers to meet the client’s needs, starting from GBP 224 per year or GBP 18.66 per month.

The product liability insurance packages of Get Indemnity protect businesses against a range of claims regarding injuries to consumers due to design or manufacture defects.

Insurance policy packages are industry-specific and Get Indemnity typically combines product liability coverage with public liability insurance.

Product Categories

• Food
• Toys
• Children’s products
• Electronics
• Machinery

Insurance Scope

• Legal expenses coverage
• Accidental death compensation coverage

Address: The Dock London, Tobacco Quay, Wapping Lane, London E1W 2SF, United Kingdom

Towergate Insurance

Towergate Insurance was founded over 20 years ago and is a member of the British Insurance Brokers’ Association and Worldwide Broker Network. Currently, Towergate Insurance has more than 2,000 staff across the country, providing consultation and customer services to clients.

The product liability insurance offered by Towergate Insurance covers a range of different product types and is suitable for manufacturers, wholesalers and retailers. The company provides consultation services and custom-made packages according to each client’s needs. Towergate Insurance can combine product and public liability insurance and even include commercial liability insurance if necessary.

The company offers coverage limits that begin at GBP 1 million and offers coverage options at GBP 2 million, GBP 5 million, and a maximum of GBP 10 million.

In addition, some insurance packages even cover products sold outside of the UK.

Insurance Scope

• Custom insurance packages
• Legal costs
• Exported goods coverage
• Cover limits up to GBP 10 million

Address: 2 Minster Court, Mincing Lane, London, EC3R 7PD, United Kingdom

Butler Evans

Founded in 2011, Butler Evans is an insurance broker offering product liability insurance market in the UK. They specialise in providing insurance to businesses engaging in importing and manufacturing products for a wide variety of consumer products.

The company also provides insurance coverage for resellers selling via eBay, Amazon, and other e-commerce platforms.

As a broker, Butler Evans compares various quotes for their clients and offers assistance and support when clients make claims. The company’s product liability insurance covers exports to Canada and the United States and imports from outside the UK.

They also offer services related to product liability insurance such as professional indemnity insurance for product designers, commercial business insurance for product manufacturers, and importers insurance for product importers.

Product Categories

• Health supplements
• Sports equipment
• Medical devices
• Toys
• Food and drinks
• Electric bikes
• Fireworks
• Construction products

Insurance Scope

• Cover limits up to GBP 50 million
• Legal expenses coverage
• Additional claims cost coverage

Address: Suite 43, Lake View House Tournament Fields Warwick. CV34 6RG, United Kingdom