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 Where Can I Get Quotes & Buy Product Liability Insurance? Companies
Did you know...?Limits of cover for product liability insurance tend to be the same as public liability insurance indemnity limits - usually £1million, £2million and £5million. ZURICHZurich Business Insurance Direct, an arm of the Swiss-based Zurich Financial Services Group and one of the world's biggest financial service organisations, offers Product Liability Insurance up to £5 million as standard with its Shop, Office, Tradesman's and Property Insurance packages. You can buy product liability insurance separately, or as part of a package deal eg, employers' liability, public and products liability. They insure most types of small to medium-sized businesses, from property owners to plumbers, from builders to beauticians. The package includes:
Call 0800 068 4937 for a quote or leave your contact details online and they'll get back to you. Lines are open Mon - Fri, 8am to 8pm, Sat 9am to 1pm. Direct LineShop owners who sell goods or services from their premises, eg, grocers, florists, newsagents and hairdressers - can buy Product Liability cover together with public liability insurance up to £2million from the Direct Line for Business website. They guarantee to beat your existing business insurance renewal quote, so it's worth investigating. The standard package includes a number of useful features such as business interruption cover - up to £500,000 over a 24-month period - and business contents up to £250,000. There's a similar deal for B&B, guest house and hotel owners, combining product and public liability (up to £2million) with employers' liability cover (up to £10million) For a quote, apply online or call 0845 303 1762 (Shops) or 0845 303 1742 (Hotels) Mon - Fri 8am-8pm, Sat 9am-5pm, Sunday 10am-4pm. Website: http://www.directlineforbusiness.co.uk. Dare DirectBristol-based Dare Direct, a trading name of SportsCover Direct Ltd, specialise in insuring individuals and businesses in the sports world - personal trainers, coaches, sports & leisure clubs and events organisers and companies in the health & fitness industry. As well as Product Liability, the Dare Direct Sports Business Insurance package covers you for both Employers and Public Liability. For sports events, you can buy the Sports Event Insurance package which combines both Public & Product Liability. Policies are underwritten by a small number of insurers. For a quote, apply online or telephone 0845 120 6400 IMS Manufacturer InsuranceLondon-based IMS Manufacturer Insurance specialise in insurance products for manufacturers, wholesalers, suppliers, importers and exporters. You can buy Product Liability cover from them as part of what's typically known as a Commercial Combined policy, combining Employers and Public Liability and any other covers you need. Standard cover starts at £2 million and can be increased to £10 million. Contact detailsYou can request a callback online or telephone: 020 8805 2211 Norwich UnionNorwich Union offer product liability cover together with public liability cover for most types of businesses, from architects to make-up artists and manicurists. The standard level of cover is £2m but you can usually increase this to £5m. Money and assault is also included. To be eligible for their Self Employed Insurance package you can't have more than five employees, must work or be based at home or at a third party site. But you can't own, lease, hire or rent any other premises except a storage facility, say, or a workshop. Standard cover includes commercial legal protection (£500,000) to meet the costs of legal action (eg employment disputes, VAT issues or debt recovery). You can choose to add on optional covers such as employers' liability (£10 million), treatment risk for hairdressers and beauticians (£2million), business interruption and business travel. You can't buy the policy direct from Norwich Union - you have to go through a broker. But that doesn't stop you visiting their ebroking website where you can view the policy documents online. Website: http://www.nuebroking.co.uk. M & DH Insurance ServicesBedford-based brokers M & DH specialise in providing insurance for businesses working in the construction and manufacturing fields. Clients range from self employed sole traders and individuals to small family-run businesses and large corporate clients. Product liability insurance is part of their core manufacturing insurance package, which includes public and employers' liability insurance, contents, business interruption and money. You can add on various other cover options, such as goods in transit, glass and personal accident. Website: www.mdh-insurance.co.uk BIBAGo through an independent insurance broker. The British Insurance Brokers Association (BIBA) can provide information on where to find one in your local area, or one dealing with specific types of business. BIBA Consumer Helpline: 0901 814 0015. (Call charges are 25p/min. Average call length 2/3min). FSAThe Financial Services Authority (FSA) keeps a register of authorised insurers. Check whether a company is authorised by searching their register on www.fsa.gov.uk, or telephone the FSA on 020 7066 1000. Insurers Include:
Where Can I Get More Advice on Product Liability?Department of Trade and IndustryConsumer Safety UnitRoom 4261 Victoria StreetLondon SW1H 0ETTel: 020 7215 0359 or 020 7215 0033 Fax: 020 7215-0357 Website: http://www.dti.gov.uk Download a guide to the Consumer Protection Act 1987 from the Department for Business, Enterprise and Regulatory Reform (BERR) website (PDF). |
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