Tennessee Product Liability Insurance

Product liability insurance protects you when products you manufacture, sell, or distribute cause bodily injury or property damage. Coverage includes medical expenses. Legal defense costs. Settlements. Judgments.

Even if you didn’t manufacture the product, you can still be held liable as a seller or distributor. That’s why this coverage is essential for Tennessee retailers, wholesalers, and manufacturers.

Your Tennessee product liability insurance responds when customers claim your products caused harm. It covers the claims process from initial filing through final settlement or court judgment. Defense costs alone can reach tens of thousands of dollars, even for frivolous lawsuits.

Tennessee doesn’t legally require it. But smart businesses carry it anyway.

Why?

Commercial leases often require it. Business contracts demand it. Amazon requires $1 million minimum coverage for sellers with $10,000+ monthly sales. Most importantly, Tennessee has no caps on personal injury awards.

This means one lawsuit could bankrupt your business without proper coverage.

Tennessee insurance regulations create additional exposure through strict liability standards and consumer protection laws. You can be held responsible even when you followed all product safety standards. Even when you weren’t negligent. That’s the reality of Tennessee’s legal compliance environment.

General liability covers slip-and-fall accidents. Advertising injuries. Property damage from your business operations.

Product liability specifically covers harm caused by products you make, sell, or distribute.

Many businesses need both. They protect different aspects of your operation. General liability protects your premises and operations. Product liability protects against product defects, manufacturing errors, and design flaws.

We can bundle them together for comprehensive protection and better pricing. Commercial insurance packages often include both coverages with shared policy limits and streamlined claims process.

Tennessee businesses can choose between two policy types. Understanding policy terms is crucial.

Occurrence policies cover claims arising from incidents during your policy period, even if reported years later. You’re protected even after the policy expires, as long as the incident happened during coverage. Most Tennessee manufacturers prefer occurrence coverage for long-term protection.

Claims-made policies cover claims reported during your active policy period, regardless of when the incident occurred (after the retroactive date). You must maintain continuous coverage to stay protected. If you cancel without purchasing tail coverage, you lose protection for past incidents.

The choice affects your insurance premiums and long-term risk management strategy. Occurrence policies typically cost more upfront but provide lasting peace of mind. Claims-made policies offer lower initial premiums but require ongoing renewal.

It’s simple.

Call us at (440) 826-3676 or request an online quote. We’ll ask about your products, sales channels, and business operations. Then we’ll compare options from multiple carriers.

You’ll get personalized recommendations that fit your needs and budget. We explain coverage limits, policy exclusions, and deductibles in plain language. No insurance jargon. No confusion.

Most businesses have coverage in place within days. Our streamlined insurance underwriting process means faster approvals and competitive rates. We handle the paperwork. You get the protection.