APA Insurance
A manufacturer inspecting products with protective mosaic elements, illustrating APA Product Liability Insurance

Solutions > Insure > Business > Protect Your Business > Product Liability

Protection AgainstClaims From YourProducts

Defective Product Claims

Injury or damage from harmful products

Defence Costs Included

Litigation costs with APA's consent

Get Your Product Liability Quote

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.
A quality manager inspecting products on a production line, protected by APA Product Liability Insurance
Get a quoteBuy Insurance Now

What is Covered and Not Covered Under Product Liability?

Product Liability protects manufacturers, distributors and sellers against claims for injury or property damage caused by defective products. Toggle between the categories below to explore your cover.

1

Defective Product Injury

Legal liability for accidental death or bodily injury caused by harmful or defective products you make, sell or supply.

2

Product Property Damage

Accidental loss of or damage to tangible property arising from defective products or their packaging.

3

Manufacturing & Supply Chain

Products manufactured, assembled, processed, modified, repaired, serviced, altered, labelled, handled, sold or supplied by or through the insured.

4

Packaging Defects

Liability from the defective condition of product containers or packaging.

5

Multiple Liability Bases

Negligence, strict liability, breach of warranty (implied or express) and consumer-protection claims.

6

Defence & Litigation Costs

Litigation costs and expenses incurred with APA's written consent in connection with covered claims.

Talk to a Liability Advisor

Buy through any APA branch or intermediary. Find the nearest office to protect your products business.

Eligibility & Requirements for Product Liability

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?

1

Complete the Product Liability proposal form with your full product description and turnover.

2

Declare manufacturing process, distribution geography, certifications and required limit of indemnity.

3

Buy through an APA branch or intermediary (call 0709 912 777 or email info@apainsurance.org).

4

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.

View All Resources

Claim Form

PDF • 1.1 MB

Terms & Conditions

PDF • 1.8 MB

Bima Bamba Insurance Brochure

PDF • 2.4 MB

Real Stories from Customers Who Trust Our Coverage

Learn why professionals trust our solutions to complete better customer journeys.

View all Stories

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.

APA, Insuring Happiness

You're just one step away

Get your quote now and protect what matters most.

Get a quote

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.

DOWNLOAD ON THEApp StoreGET IT ONGoogle Play

APA, Insuring Happiness

What would you like to protect?

+

Health Insurance

Your Health, Our Priority

+

Motor Insurance

Drive Safely

+

Life Insurance

Enjoy every moment

“The easiest way to manage my cover.”

— Sarah K., Nairobi