Specialist products liability

Liability & Construction

Specialist cover for any business that designs, manufacturers or supplies products to the trade or public.


A business can be held liable for faulty products even if they did not manufacture them. The business may be liable for compensation if:

  • the business’s name is on the product
  • the business repairs, refurbishes or changes a product
  • they imported the product from outside the European Union
  • they cannot identify the product’s manufacturer, or the manufacturer has gone out of business


We will cover:

  • products of a Safety Critical nature, including the Automotive sector with no cover limitations;
  • losses arising from a failure of the product to perform its intended function (Efficacy);
  • products knowingly exported to North America (up to 100% US turnover) or claims lodged by a third party in a North American court;
  • products knowingly incorporated into the structure or controls of an Aircraft or Aerial device; or
  • products knowingly incorporated into the structure or controls of a waterborne craft

Target Business

Any business that designs, manufacturers or supplies products to the trade or public.
We provide specialist solutions for:


Precision engineers who have invested in the latest CNC and CAM/CAD technology
the engineering capability of these companies allows them to win contract engineering work from customers outside of their primary sector. For instance, existing suppliers to Motorsport are being actively supported by their trade association to win new customers in the wider Automotive market as well as Aviation, Defence, Life science, Oil & Gas North American and Marine sectors.


University “spin-off” companies
many university spin-offs are offering innovative and technical products to market, which require specialist insurance understanding and solutions.



Companies supplying engineering solutions to the Oil & Gas sector
such companies routinely encounter hold harmless, waiver of subrogation and additional insured requests, often requiring a quick turnaround as they compete to win new tenders.



Companies supplying to the Military or Defence sectors
a lack of “failure to perform” cover can leave companies supplying these sectors seriously exposed.

Your expert team

You can access our knowledgeable underwriters directly to discuss your clients’ needs.

Steve Swinburne ACII

Lead Underwriter
01923 236 399
07935 758 729

Robin Ditchburn

Robin Ditchburn Dip CII

Senior Underwriter
01923 298 411
07706 735 149

David Pargetor

01923 298 432

Megan Hardway

Assistant Underwriter
01923 298 417

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Please note, we are only permitted to deal with Insurance Brokers. If you are a customer, please contact your Insurance Broker for advice and information regarding your Insurance cover.