Product Liability Insurance Cost

Product liability insurance is often included as a part of your general liability insurance policy, which costs our customers an average of $68 a month or $810 a year.** Keep in mind that your product liability insurance cost depends on a number of different factors, including your industry and the risk of customer lawsuits associated with your products or completed services.

 

Product liability insurance helps protect your small business from claims that a product you made or sold caused bodily injury or property damage to someone else.² When you get general liability insurance with The Hartford, product liability insurance coverage is included.  

 

We offer product liability insurance as a part of your general liability insurance policy. General liability insurance costs will vary between business owners. Some factors that can impact your price include your:

 

The best way to find out your product liability insurance cost is to get a general liability insurance quote. Our specialists can help answer your questions and get the coverage your small business needs.

 

Each industry faces their own unique risks, so the type of business you have may impact how much you pay for a general liability insurance policy that includes product liability coverage. Some of the industries that typically face more risk of being held liable in a customer lawsuit or product liability claim are:

 

We’re an insurance company with over 200 years of experience. We’ve helped over 1 million small business owners get the insurance coverage they need to help protect their unique companies.

 

If you’re looking for product liability insurance coverage, our specialists can help you find the protection you need with a price tailored to your business. All it takes is a few minutes to get a free general liability insurance quote today from The Hartford.

 

 

Last Updated: April 11, 2025

** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.

² Product liability insurance coverage is not available to all classes.

 

Additional disclosures below.