Product Liability
Protection when products cause injury or damage.
Product Liability insurance can protect against third-party claims arising from products manufactured, supplied, imported or distributed by the insured.
Overview
Exposure that follows the product, not just the sale
Liability for a defective product doesn't end when the product leaves your premises — it can arise months or years later, wherever the product ends up being used.
Product Liability cover protects against claims arising from that ongoing exposure.
Who Needs It
Is this relevant to you?
- Manufacturers.
- Food businesses.
- Retailers.
- Importers.
- Distributors.
- Pharmaceutical and medical businesses.
- Consumer-goods companies.
Coverage
What It Typically Covers
Read Carefully
Important Considerations
- Cover typically responds to injury or damage caused by the product, not the cost of replacing/repairing the faulty product itself.
- Territorial scope matters — confirm cover extends to every market you export or sell into.
- Product recall is often a separate extension, not automatically included.
- Design defects vs manufacturing defects may be treated differently — confirm which your policy covers.
Our Role
How Omega Helps
Confirm Territorial Scope
If you export or supply internationally, we confirm your cover extends to every relevant market — a common and costly gap.
Clarify Recall Cover
Product recall costs are often excluded unless specifically added — we help you understand what's actually included.
Match Limits to Supply Chain Risk
We help assess appropriate limits based on your products, distribution scale and markets.
Support at Claims Time
If a claim arises, we help coordinate the response and required documentation.
If You Need to Claim
Claims Support
FAQs
Frequently Asked Questions
Related Solutions
You may also need
Protect your business from product-related claims.
Get a quote that reflects your actual supply chain and markets.
Start Your Quote Speak to an AdvisorProduct Liability Insurance Dubai, UAE
Why Consider Product Liability Insurance?
Product liability insurance is a crucial safeguard for businesses involved in the design, manufacturing, or supply of products. This insurance covers the financial burden of claims filed by individuals who have been hurt by a faulty product associated with your company.
If your business is involved in the design, manufacturing, or supply of products, whether sold or distributed for free, Consider purchasing Product Liability Insurance. The legal system can hold your company liable for any injuries or property damage caused by a faulty product affiliated with your company.
The liability extends even if your business didn’t manufacture the product, under circumstances such as:
- Your business's name is branded on the product.
- Your business has altered, repaired, or refurbished a product.
- The product was imported by your business from outside country
- Specialized Investigations
- The product’s manufacturer is untraceable, has ceased operations, or if your business is unable to identify the manufacturer.
Financial Protection
Product Liability Insurance provides a financial cushion against claims arising from injuries or damages caused by a product.
Business Reputation
By having Product Liability Insurance, you demonstrate a level of responsibility and preparedness.
Asset Protection
Protects your business assets from being used to cover the costs of a lawsuit, thus securing the long-term viability of your business.
What Does Product Liability Insurance Cover?
Product Liability Insurance acts as a financial shield against:
- Claims of personal injuries caused by the faulty product.
- Claims of property loss or damage caused by the faulty product.
Unanticipated scenarios such as undetectable product faults despite a robust quality control system.
Our Partners
Trusted coverage through our exceptional network of insurance partners.
Frequently Asked Questions
What is liability insurance in Dubai?
Navigating through the realm of liability insurance, especially in a bustling business hub like Dubai, is crucial for safeguarding your business against unforeseen legal claims. Let’s delve into a simplified, SEO-optimized, and human-friendly explanation of various aspects of liability insurance.
What is product public liability insurance?
Liability insurance emerges as a shield, safeguarding your business by providing a safety net against potential legal claims from the public and your employees, which might sprout from your business operations. In the dynamic business environment of Dubai, this cover becomes pivotal, ensuring that your business can navigate through legal complexities with minimized financial strain.
Who needs product liability insurance?
When we talk about public and product liability insurance, we’re discussing a safety net that guards businesses against the financial implications of compensating a third party in scenarios involving personal accidents, injuries, or property damage that stem from business activities or supplied products.
What is the responsibility of product liability?
If your business is involved in designing, manufacturing, or supplying physical products, whether sold or distributed for free, product liability insurance should be on your radar. This is because your business might be legally accountable for any harm to individuals or damage to property triggered by a defective product.
