It’s up to you to decide how much product liability insurance you need, based on the products you sell and the possible size of any compensation claims. Most insurers offer between £1 million and £10 million of insurance, which usually includes both public liability and product liability cover.

When you’re deciding how much product liability insurance your business needs, you should think about the potential size of a compensation claim if someone was hurt or their property was damaged by your products.

It’s also a good idea to check your client contracts to see if a particular level of product or public liability insurance is expected.

Remember that compensation claims can be very high as they can take into account repair or replacement costs if property has been damaged, and lost income and medical costs if someone has been injured.

Simply Business offers product liability insurance as part of public liability insurance, so you’re protected against claims for harm caused by either your business or the products you sell. Choose from £1 million right up to £5 million or £10 million of insurance.

Popular trades we insure

At Simply Business we insure all kinds of trades like:

• Builders insurance
• Catering insurance
• Cleaning insurance
• Contractor insurance
• Hairdressing insurance
• Home baking insurance
• Online retailer insurance
• Pub insurance
• Public liability insurance for security guards
• Restaurant insurance
• Roofers insurance
• Takeaway insurance

Is your profession not listed? When you run a quote you can select your trade from over 1,000 options.