Product Liability Insurance
Mitigata helps you choose Product Liability Insurance after reviewing your product risk, manufacturing exposure, and budget.
HDFC ERGO
Bajaj Allianz
ICICI Lombard
Iffco Tokio
SBI General
Kotak Zurich
Raheja QBE
TATA AIG
Liberty General
Cholamandalam
Shriram General
Reliance
Go Digit
What protects your product risk. What doesn't.
This section explains common covered and not-covered areas before a product defect turns into a dispute.
- Covered01 / 09
Third-party injury or death
Covers sums, including defence costs, that the insured becomes legally liable to pay for accidental bodily injury, disease, or death caused to a third party.
- Covered02 / 09
Third-party property damage
Covers legal liability for accidental damage caused to property belonging to a third party because of a covered product defect.
- Covered03 / 09
Technical collaborators
Coverage to legally protect external technical partners and development collaborators.
- Covered04 / 09
Post-premises product risk
Coverage applies after the insured product has left the insured's premises, subject to policy wording and claim conditions.
- Covered05 / 09
Defence costs
Legal defence costs may be covered when they arise from a covered product liability claim under the policy.
- Covered06 / 09
Claims-made and retroactive cover
Coverage is generally claims-made, requiring the claim to be reported during the policy period, with retroactive cover if allowed under the policy.
- Not covered07 / 09
Product recall
Liability for recalling products from the market is not covered under the policy. (may be provided as extensions / add-ons)
- Not covered08 / 09
Product guarantee
The policy does not cover product guarantee-related liability or performance promises. (may be provided as extensions / add-ons)
- Not covered09 / 09
Pure financial loss
Pure financial loss, such as loss of goodwill or loss of market, is not covered. (may be provided as extensions / add-ons)
Disclaimer: Explanations in "What's Included" are illustrative and subject to the Policy's terms, conditions, and exclusions. Refer to the Policy Document for details.
Product risk needs more than a quick quote.
Most insurance journeys stop at quote comparison. Mitigata studies your business, finds suitable options from top insurance providers and supports you when claims need speed.
Quote first. Questions later.
- 01·Price
Premium gets compared before your product risk is understood.
- 02·Wording
Exclusions appear only when the claim gets serious.
- 03·Claims
Documents bounce between teams, brokers, and insurers.
- 04·Support
After policy purchase, help becomes slow and unclear.
Risk checked. Cover matched. Support stays.
- 01·Assess
We review your product risk before suggesting cover.
- 02·Match
Top insurers are compared for wording, price, and fit.
- 03·Claims
24/7 support helps claims move without chaos.
- 04·Honest
We explain limits clearly and never overpromise.
Covers that work well with Product Liability.
Some losses sit outside product liability wording. These covers help close common protection gaps for product-led businesses.
Commercial General Liability Insurance
Broader business liability cover for third-party bodily injury, property damage, advertising injury, legal defence, and completed operations.
Professional Indemnity Insurance
Covers claims linked to professional negligence, errors, omissions, legal expenses, and compensation demands from clients.
Cyber Insurance for Businesses
Corporate cyber cover for data breaches, ransomware, business interruption, breach response, legal costs, and third-party liability.
Estimate your premium before the sales call does.
Pick your industry, team size, and preferred cover. Get a quick premium estimate without forms, follow-ups, or the classic "we'll get back to you."
This is an estimated quote. Final quote depends on full risk profile, coverage limit, prior claims, controls in place, and insurer underwriting.
The "do we need Product Liability Insurance?" section.
- Product Liability Insurance protects businesses from covered third-party claims caused by defective products after they leave the insured's premises.
- Manufacturers, distributors, retailers, exporters, importers, and product-led businesses should consider Product Liability Insurance.
- Yes, it may cover accidental death, bodily injury, or disease caused to a third party by a covered product.
- Yes, it may cover accidental damage to third-party property caused by a covered defect in the insured product.
- No. Product recall, product guarantee, and repair or modification of defective product parts are generally not covered.
- Mitigata compares insurer options, explains policy wording, supports documentation, and helps during claim coordination.
Before one product issue becomes a lawsuit, talk to us.
Book a 30-minute walkthrough and we'll review your product exposure, insurer options, policy wording, and claim support needs.