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Insurance Blog

Product Liability Insurance – What It Covers

Product liability insurance protects against personal injury or damage that a product may cause. This type of insurance reduces legal costs that a business owner may face. Learn how this type of coverage can prevent costly issues while operating your business.

Manufacturing Processes

Your manufacturing processes should be highly regulated. Despite consistently monitoring your manufacturing department, there could be instances where the equipment doesn’t work as intended.

Defective products could accidentally be shipped out to consumers. Suppose an end user becomes sick or injured due to using a product purchased from your business. In that case, the product liability insurance you acquired will offset some or all of the legal costs you are responsible for.

Overall Product Usage

If customers aren’t educated about the proper way to use a product, they could become sick or injured. If you fail to provide clear instructions and safety warnings, you could be found at fault for an incident involving the use of a product.

Your product liability insurance coverage will protect you in a situation like this. It may pay for the cost of hiring an attorney, handling court costs, fines, and other fees directly tied to the legal matter.

Risk Factors Within Your Business

Pursue an inspection of your business. This inspection will help you determine risk factors. These factors may indicate how much product liability coverage you need.

Speak with an Insurance Agent Who Serves San Diego, CA

An insurance agent from Let’s Insure will advise you on product liability coverage types. Upon consulting with one of our agents, you will receive advice on the type of coverage you will benefit from acquiring.

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