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Get Comprehensive Product Liability Coverage for Your Georgia Business
Georgia businesses that sell, distribute, or manufacture products face serious liability risks. These risks could devastate operations.
Product liability insurance protects your business from costly lawsuits when customers claim a product caused injury or property damage—even if you didn’t make it.
The stakes?
Higher than ever. Nuclear verdicts reached $31.3 billion in 2024. Georgia liability claims climbed 24.9%.
The Allen Thomas Group has simplified product liability insurance for businesses across 20+ states for over two decades.
Our licensed insurance professionals hold CISR designations and are fully licensed to serve Georgia businesses.
We serve retail stores, restaurants, e-commerce sites, and manufacturing operations. From Atlanta to Savannah, Augusta to Columbus, we help Georgia businesses across all regions protect their operations. We help you find the right coverage at competitive rates.
Get your free consultation today. Protect your business with confidence.
How much does product liability insurance cost in Georgia?
Most Georgia small businesses pay between $42 and $105 per month. That’s for general liability insurance that includes product liability coverage.
E-commerce businesses typically pay around $42 monthly. Retail stores average $65 per month for a business owner’s policy.
Your actual cost?
It depends on your industry. Annual revenue. Products sold. Coverage limits. We provide personalized quotes from multiple carriers. This ensures you get competitive rates for your specific situation.
Who Needs Product Liability Coverage in Georgia
If your Georgia business touches products in any way, you likely need product liability insurance.
Here’s a common misconception. Many business owners think only manufacturers need this coverage. That’s false. Dead wrong, actually. Any company in the supply chain can be held liable if a product causes harm.
The cost?
Product liability claims total an estimated $12 billion annually across all industries.
Effective risk management starts with understanding your exposure. Working with an experienced insurance agent helps you identify gaps in your business insurance portfolio before a defective product leads to a costly claim.
Georgia businesses that need product liability coverage include:
- Retail stores – You’re liable for products you sell, whether you made them or not
- Restaurants – Food products and any branded items you sell to customers
- E-commerce businesses – Online sellers face liability across all platforms
- Manufacturers – You create products and face design, manufacturing, and warning label risks
- Distributors and wholesalers – Supply chain liability doesn’t stop at the factory
- Contractors who sell products – Installing or selling equipment creates exposure
- Tech companies – Hardware and software products create unique liability exposures
The reality is straightforward. If a customer buys a product from your business and gets hurt, they can sue you. Doesn’t matter who manufactured it.
A single lawsuit could cost more than your annual revenue without proper protection.
Not sure if your specific business needs coverage? We offer free consultations. We assess your unique situation. We explain your options in plain language.
What Product Liability Insurance Covers
Product liability insurance protects your Georgia business when products cause injury or property damage. This coverage is typically included in general liability insurance. But it’s crucial to understand what’s specifically protected.
Your policy covers three main types of product defects:
- Design defects – The product was poorly designed from the start, making it inherently dangerous
- Manufacturing defects – Errors during production created a dangerous product, even if the design was sound
- Warning label deficiencies – The product lacked proper instructions or warnings about potential risks
Understanding your coverage limits is crucial for adequate liability protection.
Here’s what product liability insurance actually pays for:
- Legal defense costs and attorney fees
- Court settlements or jury awards
- Medical expenses for injured customers
- Property damage caused by defective products
Real-world examples help clarify the coverage.
A Georgia e-commerce retailer sells electronics. Sourced from a manufacturer. One device overheats and causes a house fire. The homeowner sues the retailer—not the manufacturer. Product liability insurance covers the retailer’s legal defense. It pays settlement costs too.
A restaurant sells its signature bottled hot sauce. A customer has an allergic reaction. Why? The label didn’t clearly list all ingredients. The customer sues for medical expenses. Product liability coverage handles the claim.
A retail store sells a power tool with inadequate safety warnings. A customer injures their hand during normal use. Even though the store didn’t manufacture the tool, they’re named in the lawsuit. Right alongside the manufacturer.
Product liability differs from general liability insurance in one key way. General liability covers accidents on your premises. Think slip-and-falls. Product liability specifically covers injuries or damage caused by products you sell, distribute, or manufacture. Many policies bundle both coverages together. Comprehensive protection.
Not sure if your current policy adequately covers these scenarios? Request a free policy review from our team. We’ll identify gaps and recommend improvements—no obligation.
Product Liability Insurance Costs and Risks in Georgia
Georgia businesses face an escalating liability crisis. This makes proper insurance coverage more critical than ever.
The numbers tell a stark story.
Nuclear verdicts—jury awards exceeding $10 million—reached a record 135 cases in 2024. Total? $31.3 billion. That’s a 116% increase over the previous year. Product liability cases alone? They accounted for
$13.9 billion across 32 verdicts.
Even more concerning? The median product liability verdict jumped from $24 million in 2013 to $36 million in 2022. That’s a 50% increase in less than a decade.
Georgia’s liability landscape presents unique risks:
- Liability claims in Georgia increased 24.9% between two five-year periods
- Georgia has no cap on compensatory damages—juries can award unlimited amounts
- Most commercial leases require proof of liability coverage
- Georgia ranks 47th nationally for insurance affordability
What does product liability insurance actually cost in Georgia?
Most small businesses pay $42 to $105 per month. It depends on your industry. Your risk level. E-commerce businesses typically pay around $42 per month . Retail stores average $65 per month for a business owner’s policy. That bundles property and liability coverage.
Your actual cost depends on several factors:
- Types of products you sell
- Your annual revenue
- Claims history
- Industry risk level
- Coverage limits you choose
The cost of insurance is minimal. Compare that to the financial devastation of a single uninsured lawsuit. One product liability claim could bankrupt an unprotected business. That’s not a scare tactic. It’s the reality we see business owners face when they skip coverage. Or carry inadequate limits.
Think of product liability insurance as a business protection investment. Not just an expense. The peace of mind alone? Worth the modest monthly premium.
Why Choose The Allen Thomas Group for Georgia Product Liability Insurance
Over 20 years serving businesses across Georgia and 20+ states. CISR-certified agents. Hundreds of satisfied clients protected.
We’ve spent 20+ years as a trusted, certified insurance partner making coverage simple for businesses that don’t have time to navigate complex options.
We’re based in Ohio. But licensed to serve businesses across 20+ states including Georgia. We bring both local expertise and national reach to every client relationship.
Here’s what makes us different:
- Independent agency advantage – We work with multiple top-rated carriers, not just one company. As an independent insurance provider, we have access to multiple carriers’ policy options. This means we compare options across the market to secure you the best coverage at competitive rates. Unlike captive agents who represent one carrier, we function as your insurance broker, advocating for your interests across multiple commercial insurance markets.
- Carrier relationships with A-rated insurers – We work with Hartford, Travelers, Nationwide, and other top-rated carriers to find you the best coverage and rates.
- Personalized consultation, not automated quotes – We don’t just generate a number on a screen. We take time. We understand your business. We assess your actual risks. We explain your options in clear language.
- Multi-industry expertise – We’ve helped retailers, restaurants, e-commerce sellers, manufacturers, distributors, and tech companies across Georgia. We understand the unique risks. Each industry faces different challenges.
- “Smart & Easy” approach – Insurance shouldn’t feel complicated. We translate insurance jargon into plain English. We guide you to the right coverage. No overwhelming you.
- No-obligation process – Get a free consultation to discuss your needs. No pressure. No complicated forms. Just honest advice about protecting your business.
Our straightforward process:
- Free consultation – We discuss your business, products, and current coverage
- Risk assessment – We identify potential exposures specific to your industry
- Multiple quotes – We compare options from several carriers to find the best fit
- Ongoing support – We’re here when you need us, whether you have questions or need to file a claim
You’re not just getting an insurance policy. You’re getting a partner. One who understands Georgia businesses. One who cares about protecting what you’ve built.
Call us at (440) 826-3676 to discuss your specific needs—we’re here to help.
Ready to protect your business? Call us today for a free consultation. Or request your online quote now.
Specialized Product Liability Solutions for Georgia Industries
We provide specialized product liability solutions tailored to each industry’s unique risks. Different Georgia businesses face different product liability exposures. Here’s what you need to know about coverage for your specific industry.
Retail businesses face dual risks. Customers on your premises. Plus liability for every product on your shelves.
You’re legally responsible for products you sell. Even when you didn’t manufacture them.
A business owner’s policy (BOP) typically costs around $65 per month. It bundles product liability with property coverage and premises liability. You sell clothing? Electronics? Home goods? Specialty items? Any defective product can lead to a lawsuit naming your store.
Online sellers face unique exposures. Shipping damage. Product defects discovered after delivery. Marketplace liability requirements.
Platforms like Amazon and Etsy often require proof of insurance before allowing you to sell. General liability insurance with product liability coverage costs around $42 per month for most e-commerce businesses. This protects you across all sales channels. Your website. Third-party marketplaces. Social media sales.
Restaurants need coverage for food products served on premises. And any retail items sold. Bottled sauces. Branded merchandise. Packaged goods.
You face combined premises liability. Customer injuries in your restaurant. Plus product liability. Foodborne illness. Allergic reactions. Defects in products you sell. Your coverage needs are typically higher than standard retail. Why? Food safety regulations. Health department requirements.
As a manufacturer, you face the highest product liability exposure. Why? You’re creating the products from scratch. You’re responsible for design defects. Manufacturing errors. Adequate warnings.
Coverage costs vary significantly. Based on what you produce. Your revenue. Your safety record. You typically need higher coverage limits. Often $2 million aggregate or more. Manufacturers are almost always named in product liability lawsuits.
You’re in the supply chain. Between manufacturers and retailers. This means you can be pulled into lawsuits. Even when you never touched the defective product.
Smart distributors require manufacturers to name them as additional insureds. On the manufacturer’s policy. But you still need your own product liability coverage. Average costs run $50-90 per month. Depends on the products you distribute. Your annual revenue.
Technology businesses selling hardware face traditional product liability risks. Devices that overheat. Malfunction. Cause injury.
Software companies face unique exposures around data breaches. System failures. Functionality issues. You may need specialized tech errors and omissions (E&O) insurance. In addition to product liability coverage. The convergence of hardware and software in modern tech products? Creates complex liability scenarios. Requires expert guidance.
You install equipment. Sell materials. Provide products as part of your contracting services. You need both general liability. For your work. And product liability. For products you sell or install.
Many contractors overlook this coverage gap. Example? You install HVAC systems and sell the units. You’re liable for defects in those systems. Even if you didn’t manufacture them.
Not sure which coverage structure fits your business? That’s exactly why we offer free consultations. Every business is different. Cookie-cutter policies often leave dangerous gaps. We’ll assess your specific situation. Explain your options clearly. So you can make confident decisions about protecting your business.
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.
Our Commercial Insurance Carrier Partners
That allows us to find the best rates for your business.
Protect Your Georgia Business with Product Liability Coverage Today
Don’t leave your Georgia business vulnerable to devastating product liability lawsuits.
The Allen Thomas Group has helped businesses like yours protect their assets for over 20 years. Personalized coverage from top-rated carriers.
Get your free, no-obligation consultation today. Discover how affordable comprehensive protection can be.
Protect Your Business Today—Call (440) 826-3676 or request your online quote. We’ll have you protected in days. Not weeks.
Get More Insights On Making The Right Insurance Decision For Your Company
How do I get product liability insurance in Georgia?
Getting coverage is simple.
First, schedule a free consultation with us to discuss your business and products. We’ll assess your specific risks. Your coverage needs.
Next, we’ll gather quotes from multiple top-rated carriers. We compare options. We find the best coverage at competitive rates. Finally, once you choose a policy, coverage typically begins within 24-48 hours.
The entire process?
Just a few days. We handle the paperwork. You focus on running your business.
What's the difference between product liability and general liability insurance?
General liability insurance covers accidents on your business premises. Customer slip-and-falls. Property damage you cause during operations.
Product liability insurance specifically protects you when products you sell, distribute, or manufacture cause injury or property damage to customers.
Most general liability policies include product liability coverage automatically. Comprehensive protection.
We’ll help you understand exactly what’s covered. So you’re never caught off-guard by a claim.
Do I really need product liability insurance if I don't manufacture products?
Yes. Absolutely.
Any business in the supply chain can be held liable for product defects. Retailers. Distributors. Wholesalers. E-commerce sellers. All included.
If a customer buys a defective product from your store and gets injured, they can sue you. Even though you didn’t manufacture it.
With product liability verdicts averaging $36 million and no damage caps in Georgia? One uninsured lawsuit could bankrupt your business. Coverage is your financial protection. Regardless of where products originate.
What happens if I get sued without product liability insurance?
Without insurance, you’ll pay all legal defense costs. Settlements. Jury awards. Out of pocket.
Legal fees alone can exceed $50,000 to $100,000. Even if you win the case. If you lose? You’re personally responsible for the entire judgment. Which could mean hundreds of thousands or millions of dollars.
Many uninsured businesses face bankruptcy after a single product liability lawsuit.
Insurance protects your business assets. Personal assets. Financial future. For a modest monthly premium.
Where can I buy product liability insurance in Georgia?
You can purchase product liability insurance through independent insurance agencies like The Allen Thomas Group, which serve businesses throughout Georgia.
We compare quotes from multiple carriers to find you the best coverage at competitive rates.
Call us at (440) 826-3676 or request an online quote. We’ll have you protected within days.
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