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Indiana Product Liability Insurance That Protects Your Business
Your business faces real risks. Defective product incidents account for more than 40% of all liability claims. That’s nearly half of all lawsuits. Whether you manufacture goods, sell products in stores, or run an e-commerce business, one defective product claim could destroy everything you’ve built.
The numbers are sobering. The average product liability lawsuit costs over $700,000 to defend, with jury awards averaging nearly $1.5 million. Can your business survive that?
At The Allen Thomas Group, we make protection smart and easy. We’ve spent over 20 years helping businesses like yours.
Our expertise spans 20+ states, and we understand Indiana’s unique legal landscape inside and out.
As a licensed insurance agency with CISR-certified professionals, we’re trusted product liability experts serving Indiana businesses across every industry. Our proven approach makes protecting your business simple, fast, and hassle-free. We find you the best coverage at the best price.
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How much does product liability insurance cost in Indiana?
Product liability insurance in Indiana costs an average of $42 per month, or approximately $500 annually, for small businesses. Your actual premium depends on factors including your product risk level, business size, sales volume, industry, and claims history. Most Indiana businesses choose $1 million per occurrence and $2 million aggregate limits for comprehensive protection.
Who Needs Product Liability Insurance in Indiana?
The answer is simple. If your business makes, sells, or distributes products, you need this coverage. Period.
Here’s why. Courts apply strict liability rules, which hold you responsible even when you haven’t been negligent. You could do everything right. Your quality control could be perfect. But if someone gets hurt by a product you touched, you can still face a lawsuit. That’s the law. Anyone in the supply chain is vulnerable.
Supply chain liability is real. Every entity in the distribution chain shares responsibility—from the manufacturer who designs the product, to the wholesale distributor who handles it, to the retailer who sells it to consumers. Under strict liability rules, even if you’re just one link in that chain, you can face a product liability lawsuit. One claim. One mistake. One defect. That’s why comprehensive products-completed operations coverage is essential regardless of your role in getting products to market.
Product Liability Insurance for Indiana Manufacturers
Manufacturers – Indiana is home to 7,772 manufacturers employing 581,280 workers. We’re the nation’s most manufacturing-intensive state. That means opportunity. It also means risk. From design flaws to manufacturing errors, producers face the highest exposure in the supply chain.
Coverage for Retailers and E-commerce Businesses
Retailers – You sell it, you own the risk. Even if you didn’t make the product. Even if the defect happened at the factory. Stores get sued for products they simply put on shelves.
E-commerce Businesses – Selling online? Most online marketplaces require proof of coverage before allowing you to sell products. No insurance? No sales. Amazon, eBay, Etsy—they all want to see your certificate of insurance.
Protection for Wholesale Distributors
Wholesale Distributors – The product passes through your hands. So does the liability. Distribution isn’t as safe as you think. You’re part of the chain. You share the exposure.
Food Product Liability Insurance
Food Product Companies – Food carries special risks. Contamination. Allergic reactions. Labeling errors. One mistake can lead to massive claims. Food product liability insurance protects against these unique exposures.
Consider this. A full 25.9% of Indiana’s GDP is tied to industry. We make things here. That’s our strength. But protecting your business from product liability claims isn’t optional. It’s survival.
Is your Indiana business adequately protected? Get a free product liability quote now. Call (440) 826-3676 or request a quote online.
Real-World Indiana Product Liability Scenarios
Let’s talk reality. Here’s what actually happens to Indiana businesses without proper coverage:
An Indiana bakery produces a batch of cookies that fails to list peanuts in the ingredients. A customer with severe allergies has a reaction requiring hospitalization. Medical bills. Lost wages. Pain and suffering. Product liability coverage handles the medical costs and legal defense. Without it? The bakery pays everything out of pocket. That’s often hundreds of thousands of dollars.
An Amazon seller based in Indianapolis sources phone chargers from overseas. One charger overheats and causes a fire in a customer’s home. Property damage exceeds $150,000. Even though the seller didn’t manufacture the charger, they face a lawsuit. Why? They’re in the supply chain. Product liability insurance protects them. Their business survives.
A Fort Wayne furniture maker produces office chairs. One chair collapses due to a manufacturing defect, causing a back injury. The customer can’t work for three months. They sue. The company faces a $250,000 lawsuit. Their commercial general liability policy with products-completed operations coverage handles defense costs and the settlement. Business continues.
An Elkhart manufacturer produces hydraulic presses for metal fabrication. A safety guard was improperly designed, leading to a worker injury at a customer’s facility. The injury is severe. The lawsuit claims design defects made the equipment inherently unsafe. Product liability insurance covers the resulting claim, even though the injury happened at a different location. Even though the manufacturer followed industry standards.
A Carmel boutique sells organic skincare products. A customer has a severe allergic reaction to a lotion. Hospitalization required. Even though the boutique didn’t manufacture the product, they’re named in the lawsuit along with the manufacturer. Why? Strict liability rules. The retailer sold it. The retailer can be held responsible. Product liability coverage protects the boutique. The manufacturer’s insurance responds too. Both are covered.
What Does Product Liability Insurance Cover?
Think of this coverage as your safety net. Product liability insurance protects your business when a product you made, sold, or distributed causes injury or property damage to someone else. It’s protection. It’s peace of mind. It’s survival.
Product liability coverage, also known as products-completed operations insurance, is typically included as part of your commercial general liability (CGL) policy. This means one comprehensive policy protects against both general business risks and product-related claims. One policy. Multiple protections. Smart coverage. For businesses with higher exposure, standalone product liability coverage or policy endorsements can provide additional protection beyond standard policy limits.
Design Defects Coverage
Design Defects – The problem started at the drawing board. The product was improperly designed from the start, making it inherently unsafe even when manufactured correctly. A flawed design means every single unit is dangerous. That’s expensive. That’s why design defect coverage is critical for manufacturers and product developers.
Manufacturing Defects Coverage
Manufacturing Defects – Something went wrong in production. Problems during manufacturing cause specific units to differ from the intended design. These defects turn individual products into hazards. Maybe it’s one item. Maybe it’s an entire batch. Either way, you’re exposed. Manufacturing errors during production can affect a single unit or an entire batch, creating unexpected liabilities even when your design and quality control processes are sound.
Warning Failures and Labeling Defects
Warning Failures – You didn’t tell them about the risks. Inadequate warnings or instructions fail to communicate potential risks to consumers. The result? Injuries from foreseeable misuse. Claims you could have prevented. Lawsuits that could have been avoided. Labeling defects create liability even when products work exactly as designed.
What Your Insurance Pays For
Your commercial general liability policy with products-completed operations coverage handles the full scope of product-related risks. From design flaws that make every unit dangerous, to manufacturing errors that affect specific batches, to labeling defects that fail to warn users—your policy responds when products cause harm. This includes coverage after you’ve completed operations and the product has left your control, which is when many claims actually occur.
What your insurance pays for:
- Legal defense costs, even if the claims are completely groundless
- Attorney fees and court expenses that add up fast
- Settlements and judgments against your business
- Medical expenses for injured parties
- Property damage caused by your products
- Investigation costs and expert witness fees
We help you understand exactly what’s covered. No confusion. No surprises. We find the right policy limits to protect your specific business. Our Smart & Easy approach means you get comprehensive protection without the headaches.
What Product Liability Insurance Does NOT Cover
Product liability insurance provides comprehensive protection, but it’s important to understand its limits. Knowledge is power. Understanding is essential. Let’s be clear about what’s excluded.
Your policy does NOT cover:
If you need to recall a defective product, the costs of notifying customers, retrieving products, and disposing of them are not covered by standard product liability insurance. Product recalls are expensive. Really expensive. However, product recall coverage can be added as a policy endorsement to your insurance policy. We can help with that.
Damage to your own equipment, inventory, or facilities requires commercial property insurance. Product liability only covers damage to others’ property caused by your products. Your stuff? That needs different coverage.
If your own employees are injured by a product, that falls under workers’ compensation insurance, not product liability coverage. Workers comp is required by Indiana law for most businesses anyway. Different insurance. Different purpose.
If you knew about a product defect and continued selling the product anyway, your claim may be denied. Will be denied, actually. Product liability insurance protects against unforeseen defects, not intentional disregard for safety. Insurance isn’t a license to sell dangerous products knowingly.
If a product liability incident forces you to temporarily close, lost income is covered by business interruption insurance, not product liability coverage. Revenue protection requires separate coverage.
At The Allen Thomas Group, we help you understand exactly what’s covered—and what’s not. We ensure you have a complete insurance package that addresses all your risks, not just product liability. That’s the Smart & Easy difference. That’s comprehensive protection. That’s what 20+ years of experience delivers.
Understanding Indiana's Product Liability Laws
Indiana’s legal landscape is unique. Different from other states. It directly impacts your insurance needs. The Indiana Product Liability Act (IPLA), codified in Indiana state law, governs all product liability cases filed in Indiana courts. This creates specific rules you need to understand. We’ll break them down simply.
Indiana’s 10-Year Statute of Repose
Statute of Repose – Here’s what you need to know. Indiana sets a 10-year deadline from product delivery for when lawsuits may be filed against manufacturers. Ten years sounds like a long time. It is. This means you face long-term liability exposure that extends well beyond the initial sale. You could make a product today and face a lawsuit a decade from now.
Indiana’s statute of repose sets a 10-year deadline from product delivery for when product liability lawsuits may be filed against manufacturers. However, if a claim arises between 8-10 years after delivery, customers have 2 years from the injury date to file suit, potentially extending liability to 12 years. This makes maintaining continuous insurance coverage essential for Indiana manufacturers.
There’s more. If a claim occurs between 8-10 years after delivery, you have 2 years from the injury date to face a lawsuit, even beyond the 10-year period. That extends your exposure even further. The clock doesn’t work the way most people think.
Pure Comparative Fault Rule in Indiana
Comparative Fault Rule – Indiana uses a fair system. Indiana follows a “Pure Comparative Fault” rule where liability is reduced proportionately based on each party’s responsibility. Here’s how it works in practice. If a manufacturer is 70% at fault and the consumer is 30% at fault, damages are reduced accordingly. The manufacturer pays 70%. The consumer absorbs 30%. This rule affects how claims are settled and what you might ultimately pay. It can save you money. Or cost you plenty.
Legal Defenses Under Indiana Product Liability Act
Three Legal Defenses – Indiana law provides you options. Under IPLA, businesses can defend against claims through incurred risk (user knew of defect but proceeded), product misuse (unexpected use by consumer), or modification/alteration (changes made after delivery). These defenses matter. They can win cases. But asserting them in court requires money. Lots of it. Having proper insurance ensures you can afford to fight back.
The complexity of Indiana law is real. Working with an experienced insurance agency is crucial. We simplify these requirements. We ensure your coverage addresses Indiana-specific risks. We translate legal jargon into plain English. That’s what we do.
Why Indiana Businesses Choose The Allen Thomas Group
We’ve spent over 20 years simplifying insurance. For businesses exactly like yours. As an independent agency serving clients across 20+ states, we combine something powerful: local expertise with national reach. We deliver personalized solutions. We protect what matters most.
Our Smart & Easy approach means:
We understand Indiana inside and out. The unique legal requirements? We know them. IPLA compliance? We teach it. Statute of repose implications? We explain it clearly. Our Akron location positions us perfectly. We serve Indiana manufacturers, retailers, and distributors with the knowledge you actually need.
We take time. Real time. We understand your specific business, your products, your risks. Manufacturing industrial equipment? We get it. Selling consumer products? We understand. Distributing products online? We know the requirements. We customize coverage to match your needs. Not someone else’s needs. Yours.
Here’s our advantage. We’re an independent agency. That means we work with multiple top-rated insurance carriers. Not just one. Not just two. Multiple options. This means we find you comprehensive protection at competitive rates. We’re not selling you one company’s policy. We’re finding you the best solution from dozens of options.
Need proof of coverage for a client, landlord, or online marketplace? We provide certificates of insurance immediately upon policy activation. Many Indiana businesses need certificates for vendor requirements, facility leases, or e-commerce platforms like Amazon. We make the process fast and hassle-free. Same day delivery. No delays.
Insurance is complicated. It doesn’t have to be. We explain coverage in clear terms. No jargon. No confusion. We answer your questions. All of them. We handle the details so you can focus on running your business. That’s the deal.
We’ve helped countless Indiana businesses. We’ve protected them from product liability risks. Manufacturers. Retailers. Distributors. E-commerce companies. Our experience means we know what coverage you need. We know how to get it quickly. We know how to get it affordably.
The trend is clear. Product liability cases rose from 3,342 in 2013 to 5,826 in 2022. That’s a 74% increase. Cases are rising. Costs are rising. Risks are rising. Protecting your business has never been more important. Don’t wait until a lawsuit threatens everything you’ve built.
Complete Your Indiana Business Protection
Product liability insurance is essential—but it’s just one piece of comprehensive business protection. One policy isn’t enough. Smart businesses layer protection. Indiana businesses should also consider:
General Liability Insurance – Product liability coverage is typically included in your commercial general liability policy, which also protects against customer injuries on your premises, advertising claims, and other common business risks. One policy. Multiple protections.
Workers’ Compensation Insurance – Required by Indiana law for most businesses with employees. Covers medical expenses and lost wages if employees are injured on the job. Non-negotiable for most businesses.
Commercial Property Insurance – Protects your building, equipment, inventory, and other physical assets from fire, theft, and other covered losses. Your stuff matters. Protect it.
Business Owner’s Policy (BOP) – Bundles general liability and commercial property coverage in one cost-effective package. Ideal for small to medium-sized Indiana manufacturers and retailers. Simplified coverage. Better pricing.
Commercial Umbrella Insurance – Provides additional liability coverage beyond your primary policy limits. Important protection for businesses with significant exposure. Extra layer. Extra security.
Cyber Liability Insurance – For businesses that sell products online or handle customer data electronically. Protects against data breaches and cyber attacks. Modern risk. Modern coverage.
At The Allen Thomas Group, we create customized insurance packages that protect every aspect of your Indiana business. One agency. Complete protection. Competitive pricing. That’s our Smart & Easy approach.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
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That allows us to find the best rates for your business.
Get Your Free Product Liability Insurance Quote Today
Your Indiana business deserves protection. Real protection. Protection from the financial devastation of product liability lawsuits.
Think about these numbers. One claim averaging $700,000 in defense costs plus potential jury awards of $1.5 million could bankrupt an uninsured business overnight. Gone. Finished. Everything you built, destroyed by one lawsuit.
At The Allen Thomas Group, we make getting coverage smart and easy. Simple, really. We’ll assess your specific needs. We’ll explain Indiana’s requirements clearly. We’ll find you comprehensive protection at a price that fits your budget. No pressure. No confusion. Just smart solutions.
Call (440) 826-3676 to speak with an experienced agent who knows Indiana.
These are the most common questions we hear from Illinois businesses about product liability insurance. Understanding Indiana product liability insurance requirements helps you make informed decisions about protecting your business.
What is product liability insurance?
Product liability insurance protects businesses from financial losses when a product they manufactured, sold, or distributed causes injury or property damage to a third party. This coverage, typically included in commercial general liability policies, pays for legal defense costs, settlements, and judgments resulting from product-related claims.
Do I need product liability insurance if I only sell products made by other companies?
Yes. Absolutely yes. Even if you only resell products made by others, you can still be sued under strict liability rules. Due to strict liability rules, any business in a product’s supply chain can be held responsible if it causes harm, even if you didn’t directly cause the defect. Retailers face lawsuits. Distributors get sued. E-commerce sellers are vulnerable. Even if you didn’t manufacture the product, you can be named in a lawsuit. You’ll face significant legal defense costs. Product liability insurance protects your business regardless of where you fall in the supply chain. The location doesn’t matter. The risk is real.
Who needs product liability insurance?
Any Indiana business that manufactures, sells, distributes, or handles products needs product liability insurance. This includes manufacturers, retailers, e-commerce businesses, wholesale distributors, and food product companies. Under strict liability rules, you can be held responsible for product defects even if you didn’t manufacture the item, making coverage essential for everyone in the supply chain.
How quickly can I get product liability coverage for my Indiana business?
Fast. Most businesses get coverage within 24-48 hours. Here’s how it works. We start with a quick conversation about your products, your business size, and your specific needs. Then we gather quotes from multiple top-rated carriers. We present you with options that fit your budget. Once you choose coverage, policies typically activate immediately. Or on your preferred start date. Our Smart & Easy process means you’re protected fast. No complicated paperwork. No endless delays. Just protection when you need it.
What's the difference between product liability and general liability insurance?
Product liability insurance is typically included as part of your general liability policy. General liability covers broader business risks like customer injuries at your location, while product liability specifically protects against claims that your products caused harm. Think of them as teammates. Product liability coverage is typically included as part of your general liability insurance policy. General liability covers broader business risks. Customer injuries on your premises? Covered. Advertising claims? Covered. But product liability specifically protects against claims that your products caused injury or property damage. It’s focused. It’s specialized. Most Indiana businesses need both. That’s why they’re often bundled together. Convenience plus cost savings. Win-win.
What does Indiana's statute of repose mean for product liability?
Indiana’s statute of repose sets a 10-year deadline from product delivery for when product liability lawsuits may be filed against manufacturers. However, if a claim arises between 8-10 years after delivery, customers have 2 years from the injury date to file suit, potentially extending liability to 12 years. This makes maintaining continuous insurance coverage essential for Indiana manufacturers.
What's the Indiana Product Liability Act (IPLA)?
The Indiana Product Liability Act (IPLA), codified in Indiana state law, governs all product liability cases filed in Indiana courts. It establishes rules for proving defects, available defenses, statutes of limitation and repose, and comparative fault calculations. IPLA creates Indiana-specific requirements that differ from other states. Understanding these rules is crucial for proper insurance coverage. We help you navigate IPLA requirements.
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