Colorado Product Liability Insurance

General liability insurance covers accidents at your business location, like customer slip-and-fall injuries. Trip in your lobby? General liability.

Colorado product liability insurance specifically protects you when products cause harm after leaving your control—whether from manufacturing defects, design flaws, or inadequate warnings. The product is in someone’s home, their facility, anywhere beyond your premises. That’s when product liability applies.

Most Colorado manufacturers need both coverages. Different risks. Different policies. We help you determine exactly what protection your business requires based on your operations and risk profile.

Fast process. We typically provide quotes within 24-48 hours after reviewing your operations.

Once you select coverage, policies usually activate within days. As an independent agency, we compare multiple carriers simultaneously, which speeds up the process.

The entire journey from initial contact to active coverage often takes less than a week. Start your free quote today—you could have coverage by this time next week.

No. Standard Colorado product liability insurance policies do not cover product recall costs.

You need separate product recall insurance for expenses like notification costs, shipping, replacement inventory, and lost revenue. Policy exclusions are clear on this point. Product liability covers claims when products harm people. Product recall insurance covers the costs of removing products from the market.

As your independent agent, we identify these coverage gaps and help you build complete protection. We assess all exposures and recommend additional policies that work together comprehensively. Many Colorado manufacturers bundle both coverages for full protection.

Independent agents like The Allen Thomas Group represent multiple insurance carriers, not just one company. We compare coverage and pricing across numerous insurers to find you the best value.

Captive agents can only sell their employer’s products. Limited options. One carrier. That’s it.

Our independent approach often saves clients hundreds annually while ensuring you get Colorado product liability insurance tailored to your actual risks. Insurance brokers succeed when you get proper coverage at fair prices. Twenty carriers. Multiple quotes. One conversation. Better outcomes.

Colorado manufacturers, distributors, wholesalers, retailers, and importers all need product liability insurance. Even if you didn’t manufacture the product, you can be held liable if it causes harm. Legal liability extends through the supply chain.

Industries particularly requiring coverage include food and beverage production, electronics, medical devices, aerospace components, and industrial machinery. Small business insurance packages often include product liability coverage, making it accessible for companies of all sizes.

If you make it, sell it, distribute it, or put your name on it—you need Colorado product liability insurance.

The insurance claims process for product liability begins the moment you’re notified of a claim.

Report insurance claims to your carrier immediately—delays can jeopardize coverage. Your insurer assigns a claims adjuster who investigates the claim, evaluates liability, and manages legal defense costs.

Documentation matters. Gather everything. Product information. Customer communications. Incident reports. Photos. Everything.

As your insurance brokers, we guide you through the entire claims process. We ensure proper documentation and communication with your insurance provider. Most insurance claims are resolved within 6-12 months, though complex cases may take longer.

Legal defense costs are covered separately from settlement limits. This protects your full policy limits for actual damages.

Product liability insurance covers legal liability when products cause injury or damage to customers. Someone gets hurt. Property gets damaged. Your liability coverage responds with legal defense and settlement funds.

Product recall insurance covers the costs of recalling defective products—notification expenses, shipping, replacement inventory, and lost revenue. No one got hurt yet. But the product is defective. You need to get it back. That’s product recall coverage.

These are separate coverages addressing different risks. Different triggers. Different benefits.

Most Colorado manufacturers need both. Our insurance brokers help you assess whether product recall insurance should be added to your commercial insurance portfolio based on your products, distribution channels, and risk tolerance.