If you are in the business of designing, manufacturing, selling, and distributing a product in MO, you understand that it can be exciting, involve hard work and can even be a bit risky. When the product you represent causes injury or damage to a third party, you need and deserve protection. Depending on the coverage you have, you may not be adequately protected from a product liability claim. Many “standard” insurance policies have limitations for product liability claims. Our experienced staff will work with you to help find the right insurance and risk solutions for your business. Our knowledgeable team can work with any business; we know and understand your industry
Product liability insurance can provide protection from damages, claims and other liability arising out of the selling, distributing, manufacturing and design of products. Damages can include bodily injury, property damage and even death.
An important feature of product liability insurance is the legal defense coverage. The cost to defend an allegation can create a strain on your firm’s resources.
Design Defect – A claim that the design of the product in inherently unsafe. The most memorable example is the series of Pinto car cases against Ford in the 1970s.
Defective Warnings or Instructions – The claim that the product was not properly labeled or had insufficient warnings for the consumer to underwriter the risk. The McDonald’s coffee case is an example of a failure to warn.
• Poor workmanship
• Breach of warranty
• Failure to warn
• Defect in design or manufacturing
• Material defect
• Failure to provide adequate instructions
• Artisan Contractors
• Food Processors
• Wood Products
• Sporting Goods
We have a number of highly rated insurance companies to select from.
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