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Product liability insurance

With product liability insurance, you protect yourself from unexpected expenses related to losses incurred by other persons as a result of the product you market.

Product liability insurance

If damage has been caused to another person due to a defect in the marketed product, ERGO product liability insurance will help to cope with the claim for damages. In the event of an insured event, product liability insurance covers the claims for property damage agreed in the terms and conditions of insurance, as well as legal assistance and judicial expenses related to the insured event and agreed in advance with ERGO.  

Mitigating the risks related to product liability with insurance could be considered by manufacturing companies, as well as resellers, including stores, for whom reliability and excellent client relations are important.

Wide insurance cover

ERGO product liability insurance provides a wide insurance cover to mitigate the risks that may arise from defects in various products.

Client-based solutions

When concluding ERGO product liability insurance contracts, we proceed from the specific client, the risks related to their activities, and the need to mitigate such risks.

Competent team

ERGO has a risk management, sales, and claims handling management team with long-term, diverse, and international experience.

Wide insurance cover

ERGO product liability insurance provides a wide insurance cover to mitigate the risks that may arise from defects in various products.

Client-based solutions

When concluding ERGO product liability insurance contracts, we proceed from the specific client, the risks related to their activities, and the need to mitigate such risks.

Competent team

ERGO has a risk management, sales, and claims handling management team with long-term, diverse, and international experience.

What is covered under ERGO product liability insurance?

Liability insurance is essentially all-risk insurance, i.e., in the event of an insured event, such agreed damage is indemnified that is not excluded. Thus, it is imperative to read the terms and conditions referred to in the contract, especially the exclusions section, as well as the special terms and conditions in the policy, and make sure that the insurance contract meets your expectations and includes the necessary covers for you. The main types of product liability insurance covers are listed below, including a list of the types of property damage that ERGO generally indemnifies under product liability insurance.

Product liability

A product liability insurance contract has to list all the products or product groups that you market and want cover for. For example, the following products can be insured with product liability: clothing, food products, kitchen utensils, furniture, gardening tools, household goods, etc.

What is covered under ERGO product liability insurance?

Liability insurance is essentially all-risk insurance, i.e., in the event of an insured event, such agreed damage is indemnified that is not excluded. Thus, it is imperative to read the terms and conditions referred to in the contract, especially the exclusions section, as well as the special terms and conditions in the policy, and make sure that the insurance contract meets your expectations and includes the necessary covers for you. The main types of product liability insurance covers are listed below, including a list of the types of property damage that ERGO generally indemnifies under product liability insurance.

Examples of product liability insurance insured events

To better understand product liability insurance, here are some examples of insured events.

Fish product

A client buys a juicy piece of butterfish in the store. However, the packaging of butterfish did not have a warning that it could cause health problems under certain conditions. The client enjoys the butterfish at home and then ends up in the hospital because they did not know that they had to be careful as there was no warning on the package. This is a case of personal injury.

Examples of product liability insurance insured events

To better understand product liability insurance, here are some examples of insured events.

Terms and conditions and information documents