Why You Need

Product Liability

Insurance

Protect your business from costly product claims and retailer compliance issues. Get fast, affordable coverage and instant proof of insurance. Whether you’re a manufacturer, distributor, or e-commerce seller, Harper Insure helps ensure you're covered against injuries.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

If you own a business, you've probably been burned by insurance before, overcharged for coverage you don't need, or told "we can't cover that" when you need help most.

Harper is a commercial insurance brokerage that specializes in two things:
Better Rates
Getting better rates on complete packages for businesses of all sizes.
Complex Cases
Covering the complex cases that make other
brokers run away.

Why choose Harper

Fast, Affordable Coverage

At Harper Insure, we understand the risks product-based businesses face, whether it’s a manufacturer, distributor, or seller. We offer affordable product liability insurance that ensures quick and reliable coverage, protecting your business from costly claims. Whether you’re dealing with a recall, a defect, or any product-related claim, we have flexible plans that provide the coverage you need without unnecessary delays or high costs.

Nationwide Compliance

Harper Insure is licensed to provide product liability insurance in all 50 states, making sure that you comply with state-specific regulations. Whether you're a local manufacturer or an e-commerce seller operating nationwide, we make sure that your coverage meets all requirements, from product defects to claims of injury, so you can operate confidently without worrying about compliance.

Same-Day Certificates

One of the biggest challenges for product-based businesses is meeting retailer or vendor requirements. Harper Insure makes it easy by offering same-day certificates of insurance. As soon as your policy is approved, you’ll receive a digital certificate immediately, ensuring that you can quickly upload it to marketplaces like Amazon or share it with your vendors or clients.

Flexible, Tailored Coverage

Each product business has unique risks depending on what they manufacture, distribute, or sell. Whether you're handling consumer goods, electronics, or cosmetics, Harper Insure offers flexible coverage options tailored to your specific needs. From standard product liability coverage to specialized endorsements for recalls or defects, we ensure you get the right protection for your products.

Easy Process, Quick Approvals

We know that getting bonded and insured shouldn’t be a long, complicated process. Harper Insure simplifies the application with an easy online form, fast quote generation, and immediate approval. You won’t waste time with red tape or endless paperwork. Our straightforward process helps you get the coverage you need quickly, so you can get back to running your business.

Trusted Industry Expertise

Harper Insure specializes in product liability insurance, with a deep understanding of the unique risks faced by manufacturers, sellers, and distributors. Our expertise ensures you get the best advice and coverage for your specific industry, whether you're selling directly to consumers or handling large-scale manufacturing and distribution.

Transparent Pricing

We believe in transparent pricing with no hidden fees. At Harper Insure, you’ll always know exactly what you’re paying for and why it matters. Our pricing is simple, clear, and based on your risk exposure and coverage needs. With no hidden fees or middlemen, you’ll get the best value for your product liability insurance.

Comprehensive Coverage Options

Whether you need coverage for a small-scale product launch or large manufacturing projects, Harper Insure offers comprehensive liability coverage. Our policies protect you from claims related to product defects, injuries, and recalls, ensuring you have all-around protection for your business operations.

What is 

Product Liability

Insurance?

Product liability insurance provides protection for businesses against claims arising from the products they manufacture, distribute, or sell. It covers costs related to injury, property damage, or financial loss caused by a defect in the product. Whether your business is local or global, product liability insurance safeguards against potentially costly legal claims and settlements.

Injury or Property Damage Cove
If a product you manufacture, distribute, or sell causes injury or property damage, product liability insurance covers.
Legal Defense and Settlements
Product liability insurance helps cover the costs of legal defense and any settlements or judgments that may arise.
Product Recall Protection
Product recalls are expensive. Harper Insure offers recall coverage to protect your business and reduce losses.
Manufacturing & Labeling Error
Manufacturing or labeling errors can lead to product defects and potential liability claims.

Who Needs 

Product Liability

Insurance?

Product liability insurance is crucial for businesses involved in the manufacturing, distribution, or sale of physical products. Whether you’re a small e-commerce seller, a large manufacturer, or a distributor, having product liability coverage protects your business from costly lawsuits and claims.

01
Manufacturers & Producers
02
Distributors & Importers
03
E-Commerce Sellers
04
Private-Label Brands
05
Wholesalers

FAQs

Find quick answers to the most common questions about our services.

What is product liability insurance?

Product liability insurance covers manufacturers, distributors, and sellers against claims that arise from injuries, damages, or financial losses caused by their products. It helps cover legal costs, settlements, and damages related to product defects.

Do I need coverage if I don't manufacture?

Yes — even distributors and sellers can be held liable for defective products. If a product you distribute or sell causes harm or damage, product liability insurance ensures you are covered, even if you didn’t manufacture the product.

How much does product liability insurance cost?

The cost of product liability insurance depends on your product type, sales volume, and industry risk. For example, small e-commerce sellers may pay $350–$700 per year, while larger manufacturers may pay $1,000–$3,000 per year.

Does it cover product recalls?

Some policies include recall protection or offer it as an add-on. Harper Insure offers recall endorsements that can be added to your product liability policy for added protection.

What limits should I choose for product liability

Retailers and vendors often require a minimum of $1M per occurrence and $2M aggregate coverage. We’ll help you determine the best coverage limits for your business.

How fast can I get product liability coverage?

Many clients receive their product liability insurance certificate the same day they apply. Harper Insure ensures fast approvals and quick processing for immediate coverage.

Get a 

Product Liability

Insurance Quote

Don’t risk your business with inadequate protection. Get affordable, fast, and reliable product liability coverage today with Harper Insure. Start your quote now and secure the coverage your products and business deserve.