Product Liability Insurance
Protect your business from product-related claims and lawsuits with Product Liability Insurance.
Trusted by over 350,000 Canadian small business owners!
Save up to 35% on your insurance
Get the best insurance quote in a few clicks!
Trusted by over 350,000 Canadian small business owners!
Save up to 35% on your insurance
Get the best insurance quote in a few clicks!
Partnerships with over 50 leading Canadian insurance providers
Partnerships with over 50 leading Canadian insurance providers
Why Choose Zensurance?
We help Canadian small business owners save time and money by providing
a convenient and affordable way to buy business insurance online.
Convenience
Purchase your insurance anytime, anywhere, with our easy-to-use online platform.
Cost
Compare rates across leading insurance companies to ensure you get the best price on your premium.
Curation
We use data and analytics to identify the right insurance policies for your business.
Claims Examples
Problem: A customer claims a skincare product you formulated and sold to them caused a severe chemical burn.
Outcome: Your client successfully sues for bodily injury. Your Product Liability Insurance covers the medical fees and legal expenses, totalling $85,000.
Problem: A customer claims a malfunction in the toy they purchased from your e-commerce site caused their toddler to choke.
Outcome: The customer successfully sues you for bodily injury. Your Product Liability Insurance covers the legal expenses and costs to recall the product, totalling $134,000.
Problem: Your distribution company is named in a lawsuit against one of your retail suppliers regarding a design malfunction.
Outcome: Your Product Liability Insurance covers the legal expenses and monetary judgment, totalling $330,000.
Product Liability Insurance, Explained.
What is Product Liability Insurance?
Product Liability Insurance protects business owners against claims alleging third-party property damage or bodily injury caused by a product you manufacture, distribute, or sell. It protects your business from damages from design, manufacturing, or marketing defects, such as incorrect labelling and safety warnings.
What is not covered by Product Liability Insurance?
Product Liability Insurance only covers third-party property damages or bodily injuries caused by a product you sell or manufacture. Any other damages to a third-party, such as slip-and-fall injuries, would be covered under a separate general liability insurance policy.
How much does Product Liability Insurance cost?
The cost of Product Liability Insurance will vary depending on the type and volume of products you sell, manufacture, or distribute.
The following factors are typically taken into consideration when determining the cost of your premium:
- Type of Product and Associated Risks
- The volume of Product Sold
- Claims History
- Coverage Limits
- Annual and Projected Revenue
Note: your Commercial General Liability Insurance may not automatically include product coverage. Speak to your broker about customizing your policy to meet your specific business needs.
Who needs Product Liability Insurance?
Product Liability Insurance is recommended for anyone who sells, manufactures, or distributes a product, including food. It is beneficial to online retailers, as well as those operating a brick-and-mortar location.
If you are a member of a distribution chain, ensure all suppliers, manufacturers, and distributors are adequately insured. Please discuss with your broker whether or not you need to add them to your policy. Conversely, make sure you are included as an additional insured on their policies, as you can be held responsible for product liability on their end, too.
If you import or export products outside of North America, verify that the products are compliant with industry standards and that all labels contain the required and appropriate information.
Does Product Liability Insurance cover services?
No, Product Liability Insurance does not cover service-related claims and only covers third-party property damage or bodily injury caused by a product you sell, manufacture, or distribute.
Claims associated with failure to provide a service as advertised, negligence, or misconduct are covered by Professional Liability Insurance, also known as Error and Omissions.
How much Product Liability Insurance do I need?
The amount of coverage you need will vary based on factors such as product type, associated risks, and volume. Speak with your broker to determine the adequate coverage for your specific business needs.
Frequently Asked Questions about Product Liability Insurance
Other Business Insurance Coverage Options To Consider:
Our most recent reviews
See what our small business customers have to say about us.
4.8
4000+ Google Reviews
- The process of getting a quote and signing up for insurance with Zensuance was simple and quick. Steven Bowie answered all my questions promptly and helped me get set up with a policy that perfectly suits my business needs.Cheryl Rettig4/11/2025Fast response. Great with follow up as well.Steve Lukings4/11/2025Alexandria Anthony was amazing with helping me get the best insurance for my small business needs. 100 stars. I will definitely recommend Alex and Zensurance to anyone who asks where I got mine from.michael caponcini4/11/2025
- I like Zensurance well with quickly respondELITA LIANG4/10/2025The journey from filing an application to receiving the coverage for small business has been great journey with Zen. Amy Lin, has been really responsive, transparent and followed up with me on every step here. Highly recommend. Thanks.Somnath Chatterjee4/09/2025Christine was great to work with, easy to renew my insurance and was quick to respond to my questions.Muskoka Mike4/09/2025
Ready to start? Let’s get a quote!
Getting product liability insurance shouldn’t be complicated!
At Zensurance, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!
Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.