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Defective Product Injury
Legal liability for accidental death or bodily injury caused by harmful or defective products you make, sell or supply.
Solutions > Product Liability
Protection Against Claims From Your Products
Product Liability indemnifies the insured against legal liability for accidental death or bodily injury to any person, or accidental loss of or damage to tangible property, arising from anything harmful or defective in products manufactured
Defective Product Claims
Injury or damage from harmful products
Defence Costs Included
Litigation costs with APA's consent
What is Product Liability Insurance?
Product Liability indemnifies the insured against legal liability for accidental death or bodily injury to any person, or accidental loss of or damage to tangible property, arising from anything harmful or defective in products manufactured, assembled, processed, modified, repaired, serviced, altered, labelled, handled, sold or supplied by or through the insured, or from the defective condition of their containers or packaging. If a product you make, sell or supply causes harm, you can be held legally liable — this cover protects your business with defence costs included.
Highlights
- Indemnifies against legal liability for injury or property damage caused by defective products or packaging.
- Covers negligence, strict liability, breach of warranty and consumer-protection claims.
- Essential for manufacturers, distributors, importers, installers and sellers of products.
- Usually written alongside Public Liability for comprehensive business protection.
What is Covered and Not Covered Under Product Liability?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Product Property Damage
Accidental loss of or damage to tangible property arising from defective products or their packaging.
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Manufacturing & Supply Chain
Products manufactured, assembled, processed, modified, repaired, serviced, altered, labelled, handled, sold or supplied by or through the insured.
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Packaging Defects
Liability from the defective condition of product containers or packaging.
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Multiple Liability Bases
Negligence, strict liability, breach of warranty (implied or express) and consumer-protection claims.
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Defence & Litigation Costs
Litigation costs and expenses incurred with APA's written consent in connection with covered claims.
Eligibility & Documentation
Eligibility Criteria
Specifications
Who Qualifies
Manufacturers, distributors, installers, importers and sellers of products.
Documents
Completed proposal form with full product description, ingredients/contents, manufacturing process, distribution geography, certifications, turnover and claims history.
Cover Scope
Third-party injury/death and property damage from defective products or packaging, plus defence costs.
Rating Basis
Estimated annual turnover (gross sales), product nature/sensitivity, distribution geography, limit of indemnity and deductible.
How to Buy APA Product Liability?
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Complete the Product Liability proposal form with your full product description and turnover.
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Declare manufacturing process, distribution geography, certifications and required limit of indemnity.
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Buy through an APA branch or intermediary (call 0709 912 777 or email info@apainsurance.org).
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Receive your policy protecting your business against product-related liability claims.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
Your legal liability for injury or property damage to third parties caused by defective products you make, sell or supply, or by their packaging — plus defence costs.
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“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
