Protect Your Business From the Unexpected
Whether you manufacture, distribute, or sell products, one thing is certain—product liability risk is real. At Combs & Company, we provide product liability insurance that helps protect your business from costly legal claims and financial damage if a product you offer causes injury or harm. With over 20 years of insurance expertise across countless industries, we help you navigate this complex coverage with clarity and confidence.
If you bring a product to market, we help you stay protected.
Your protection starts with a conversation. Our experts are ready to help you find the right coverage that fits your life and goals. Book an Appointment Today!
What Does Product Liability Insurance Cover You For?
Product liability coverage protects your business when a product you’ve manufactured, sold, or distributed causes injury or damage due to defects, contamination, improper labeling, or design flaws. Even if you didn’t manufacture the product yourself, your business can still be held liable once it enters your supply chain. That’s why this protection is critical.
At Combs & Company, our product liability solutions may help cover:
- Legal defense costs related to product-related lawsuits
- Medical expenses or compensation resulting from product injuries
- Settlements or judgments for bodily injury or property damage
- Claims from design, manufacturing, or marketing defects

Our approach ensures your coverage reflects the real risks you face—not a one-size-fits-all policy. Whether you're in food production, consumer goods, tech, cosmetics, or any other industry with product exposure, we tailor your protection to match the realities of your business.
Product Liability Insurance Solves a Problem You Can’t Ignore
One faulty batch. One missing warning label. One unexpected allergic reaction. These aren’t just business risks—they’re brand risks. A single claim can derail your company’s reputation, consumer trust, and financial standing.
Product liability insurance solves more than legal exposure—it solves peace of mind. Here’s how:
- It shifts the burden of unexpected product failures away from your balance sheet.
- It helps preserve your reputation during public or legal disputes.
- It provides the confidence to expand your product line or enter new markets without unnecessary risk.
- It reassures partners, investors, and retailers that your business is serious about responsible practices and long-term security.

At Combs & Company, we don't just sell coverage—we clarify it. We explain how your product liability fits into your broader commercial risk strategy, helping you make decisions that align with both compliance and growth.
Who Needs Product Liability Coverage the Most?
If your business makes, imports, modifies, labels, packages, or sells any physical product, you likely need product liability protection. This includes:
- Manufacturers
- Wholesalers
- Importers and exporters
- E-commerce businesses
- Private labelers and white-label sellers
- Retailers and brick-and-mortar stores

Even businesses that don’t physically make the product can still be held responsible. If your name is on the label or you’re part of the chain of distribution, you’re at risk. Our team helps identify where that risk lives and how to cover it appropriately—no guesswork, no jargon, just smart protection.
What Is an Example of a Product Liability?
Let’s say your business sells a line of kitchen appliances. One of the blenders overheats and causes a fire in a customer’s home. The customer sues your business for damages. Even if you sourced the product from a third-party manufacturer, your company can still be held liable because you sold or branded the item.

This is where product liability insurance steps in—covering legal defense costs, settlements, and more, depending on your policy terms.
Another example? A snack brand forgets to label an allergen like peanuts. A consumer has a reaction and takes legal action. The financial fallout can be massive. Product liability coverage can be the difference between a solvable mistake and a business-ending event.
What’s the Difference Between General Liability and Product Liability?
While both general liability and product liability protect your business, they cover different types of risk:
- General liability typically covers third-party injuries or property damage that occur due to your business operations—like a customer slipping in your store.
- Product liability, on the other hand, covers injuries or damage caused by a product you sell or make—even after it leaves your premises.

Many business owners assume a general liability policy is enough, but that’s not always the case. Without product liability coverage, you're exposed to costly lawsuits that arise long after the product leaves your hands.
At Combs & Company, we help you understand the difference and build a policy that doesn’t leave gaps—only confidence.
Why Choose Combs & Company for Product Liability Insurance?
With thousands of clients served and two decades of industry experience, Combs & Company is more than just an insurance brokerage—we’re your long-term partner in risk strategy. Here's what sets us apart:
- Personalized coverage that matches your unique product and market risks
- Access to top-rated carriers with competitive options tailored to your budget
- Clear, transparent guidance that helps you understand your policy—not just sign it
- Cross-industry expertise—from food and beverage to health, beauty, tech, and more
- Support that evolves as your product line or distribution grows

We break down insurance in a way that makes sense—and we’re proud to be the team clients trust to simplify the complex.
5 Frequently Asked Questions About Product Liability
1. Do I need product liability insurance if I don’t manufacture the product?
Yes. Even if you’re not the manufacturer, your business can still be held liable if your brand is associated with the product, or if you modify, repackage, or sell it. Courts often hold all parties in the supply chain responsible.
2. Is product liability insurance included in a general liability policy?
Not always. Some general liability policies may include limited product liability protection, but often the coverage is insufficient for businesses with moderate to high product exposure. Dedicated product liability coverage ensures more complete protection.
3. Can product liability claims happen years after a sale?
Yes. In many cases, liability doesn’t expire right after the sale. Claims can arise months or even years later, depending on the product’s use and the statute of limitations in your state. That’s why consistent coverage is essential.
4. What industries need product liability the most?
Industries with physical products—like food & beverage, health & beauty, consumer electronics, medical devices, supplements, and even apparel—face some of the highest risks. If your product can be used, consumed, or applied, you need protection.
5. How do I get started with product liability coverage through Combs & Company?
It starts with a conversation. We’ll review your product, distribution model, and current coverage, then help you determine the exact protection you need. No cookie-cutter policies—just smart, relevant risk management.
Ready to Talk Product Liability? Let’s Get You Protected.
Whether you’re launching your first product or scaling your distribution nationally, the team at Combs & Company is here to help you navigate product liability insurance with clarity, care, and confidence.
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