Product Liability Insurance in Georgia

Product Liability Insurance for Businesses

Any business can get caught in a lawsuit due to bodily injury or property damage caused by its products. If your company manufactures or distributes manufactured products, product liability insurance is very important, especially for small business owners. Without this type of insurance, your business may be liable for damages and legal fees associated with product liability claims. Talk with a BIS Benefits insurance broker today to discover product liability insurance coverage options that fit your needs.

Request a Quote

What Does Product Liability Insurance Cover?

Property Damage

If your product causes damage to someone else's property, such as a home or vehicle, the insurance policy can provide coverage for the cost of repairing or replacing the damaged property.

Injury

Product liability insurance can cover medical expenses incurred by individuals who were injured as a result of using your product. This can include hospital bills and related medical costs.

Medical Payments

This coverage pays for medical expenses incurred by you and your passengers in a commercial vehicle accident, regardless of fault.

Manufacturing & Design Defects

This coverage extends to defects that occur during the manufacturing process, such as faulty product components or assembly errors, as well as claims arising from design defects that make the product unsafe for its intended use.

Inadequate Warnings or Instructions

If your product lacks proper warnings or instructions for safe use, and this omission leads to harm or injury, product liability insurance can provide coverage.

Legal Defense, Settlements, & Appeals

This includes coverage for legal expenses tied to defending against claims or lawsuits related to your products. If your business is found liable, the policy can also cover settlement amounts or court-awarded damages, up to the policy's limits.

Three Reasons To Choose BIS

Hands-On Team

Personal Insight, Cutting-Edge Technology, and Insurance Industry Expertise

We Shop, You Save

Knowledgeable in All the Markets, Representing All Major Carriers

Excellent Customer Service

Five-Star Rated, BBB Credited, Industry-Leading Customer Service

Request a Free Quote Today

Allow BIS to aggressively shop the market to get you the most competitive rates.

How Are Product & General Liability Different?

Product liability insurance and general liability insurance serve distinct purposes in the world of business insurance.



  • General liability insurance offers broad protection against various third-party claims, including scenarios like slip-and-fall accidents and advertising disputes.
  • Product liability insurance focuses on the risks associated with the products you manufacture, distribute, or sell, covering issues like product defects, design flaws, and injuries resulting from your products.


While general liability provides a foundational level of coverage, businesses dealing with products often find it essential to complement their coverage with product liability insurance to address specific product-related risks comprehensively.

Our Carriers

We work with all the top-rated carriers in Georgia, including Selective, Hanover, Travelers, Hartford, Nationwide, Chubb, Liberty Mutual, and more

Who Needs Product Liability Insurance?

Manufacturers

For manufacturers, product liability coverage is a vital safeguard to protect themselves from potential legal ramifications or financial loss associated with risks like manufacturing defects and design flaws during the production process of their goods.

Retailers

A retail business uses product liability insurance to protect itself from potential legal costs and financial liabilities arising from the sale of products that may cause harm or injury to customers.

Food Services

Restaurants and other food service businesses need product liability insurance to safeguard against potential consequences resulting from allergic reactions, illnesses, or other harm that can come from serving food products to customers.

Distributors & Wholesalers

Product liability insurance is a vital safeguard for businesses throughout the supply chain, especially those dealing with high-risk items such as pharmaceuticals. Distributors and wholesalers may bear responsibility for product-induced damages, even when their role is indirect.

Tradesmen

Products liability insurance plays a pivotal role in the risk management strategy of general contractors and other construction professionals. It provides essential coverage in situations where their business activities are connected to injuries or property damage that occurs afterward.

Where We Work

BIS Benefits works with companies located in cities across the state of Georgia, including:

Get Started

A Broker You Can Trust

At BIS Benefits, we take immense pride in being recognized as one of Georgia's top employee benefits brokers. Alongside employee benefits, we provide an extensive range of major commercial insurance products, carefully tailored to suit your company's specific requirements. We are focused on helping you make well-informed and advantageous decisions for your business.


Explore the advantages of collaborating with a Georgia-based employee benefits broker with BIS Benefits. Talk to the dedicated team at BIS Benefits today, and let us assist you in finding the right coverage for your needs.

FAQs

  • Can General Liability Insurance & Product Liability Insurance be covered under the same policy?

    While some insurance providers may sell product liability coverage as a standalone policy, others can incorporate it seamlessly into your general liability insurance policy, providing full protection without the hassle of multiple policies.

  • Is product liability considered a strict liability offense in the United States?

    Yes. The plaintiff only needs to prove that the defective product is defective, regardless of the defendant's intent, to hold the defendant liable.

  • What Types of Legal Fees are Covered by Product Liability Insurance?

    Product liability plans cover expenses like attorney fees, court costs, and expert witness fees. It can also extend support to cover legal fees associated with the appeals process in case of an adverse judgment.

Interested in our benefits?

Contact Us for a Free Quote

Workers' Compensation, Group Plans, and Employee Benefits? We're here to help! Our insurance agents are friendly, knowledgeable, and ready to answer any questions you might have. Contact us today to receive a custom quote for your exact requirements.

Request a Quote - Contact Form