Product Liability Insurance

If you sell products as part of your creative business, then this can provide cover against claims of injury or property damage caused by a product you sell.

For creative workers, the products you bring to life are a testament to your talent and passion.

But even the most meticulously crafted items can sometimes have unforeseen issues.

Whether it's a theatre costume, a unique ornament or a handcrafted piece of jewellery, product liability insurance is your shield against claims related to the products you've poured your heart and soul into.

Shield icon

What is Product Liability Insurance?

Product liability insurance offers protection against claims of injury or damage stemming from a product you sell, regardless of whether you were involved in its manufacture.

In essence, if a product you've provided has a defect or causes harm, this insurance can shield you from the financial repercussions of a claim being made against you.

Why Do Self-Employed Creatives Need Product Liability Insurance?

There are many reasons why self-employed creatives might need to take out a public liability insurance policy. These include:

Protect Your Financial Stability

A claim against a faulty product can lead to significant compensation and legal fees. Insurance provides cover so these unexpected costs don't derail your finances.

Maintain Your Reputation

In today's digital age, a single product mishap can tarnish your brand's reputation. Being insured demonstrates your commitment to customer safety and satisfaction.

Client and Retailer Trust

Many retailers or exhibition spaces require their suppliers to have product liability insurance, showcasing your professionalism and reliability.

Peace of Mind

With insurance in place, you can focus on your creative process knowing you're protected against potential product claims.

What Does Product Liability Insurance Cover?

Product liability insurance covers:

Injury or Damage Claims

If someone is injured or their property is damaged because of your product.

Legal Costs

Covering the fees associated with defending a claim.

Compensation Costs

If you are found liable, this can cover the compensation payment.

Goods and Services

This includes goods sold, supplied, distributed, manufactured, constructed, erected, installed, altered, tested, serviced, maintained, repaired, cleaned, or treated by you and your business.

However, it does not cover the costs of recalling, removing, repairing, reconditioning or replacing any product or any of its parts.

Why Choose Mode Insurance?

Your creations are unique, and so are the challenges you face.

At Mode Insurance, we understand the nuances of the creative industry. With us, you're not just getting cover; you're partnering with a team that understands the intricacies of your field.