Product liability insurance from Poms & Associates
Comprehensive insurance for manufacturers, distributors, wholesalers and importers.
When you choose Poms & Associates, you get more.
Need product liability insurance? Manufacturing insurance professionals at Poms & Associates can help
“Working with Poms has been an awesome experience. They have saved me and my employer time and money with their prompt response, strategic marketing of our needs to plan providers, ease of transition to new providers and excellent customer service.”
Human Resources Manager, Las Virgenes Municipal Water District, Calabasas, CA
Why Poms & Associates for your product liability insurance?We take full advantage of the experience and expertise of our insurance brokerage professionals to secure coverage options that fit your needs. No matter what type of industry you’re in, we can protect your business, its assets, and its employees with product liability insurance.
What is product liability insurance?If you’re in the business of manufacturing, distributing, selling or importing products, you need product liability insurance. In a nutshell, it protects you against claims of injuries or damage caused by your product—whether that’s food, drugs or supplements, electronics, or almost anything else for public use or consumption. Product liability insurance provides protection for bodily injury and property damage away from your premises that are caused by your product or your work.
Most product liability claims arise from three types of issues:
- A flaw in your product’s assembly. For example, if a child chokes on a part of a toy that came loose, a parent could argue that it wouldn’t have happened if you assembled the toy properly.
- A defect in your product’s design. A customer whose phone exploded could make a claim that because your design required the battery that turned out to be defective, the phone itself was unsafe and should not have been sold to the public.
- Inadequate instructions or safety warnings to accompany your product. There’s a reason skateboard manufacturers, for example, warn riders to wear protective equipment—because multiple lawsuits have shown that companies need to provide warnings about any and all risks of using their product.