Texas Product Liability Insurance

Yes. Absolutely. Texas follows strict liability laws, meaning retailers can be held liable for defective products even without manufacturing them. You’re particularly exposed when manufacturers are foreign entities. Out of business? Unreachable? You’re at risk. Retailers get named in lawsuits alongside manufacturers. Your business assets need Texas product liability insurance protection. The courtroom doesn’t care that you didn’t make the product—you sold it, and that creates legal liability.

Twenty-four hours for quotes. That’s our standard. Once you select coverage, Texas product liability insurance policies typically activate within 24-48 hours for standard situations. We prioritize speed. We don’t cut corners. You’ll receive comprehensive protection quickly, with expert guidance throughout the process. Emergency situations? We can expedite coverage when business needs demand immediate protection.

Three categories. Manufacturing defects from production errors. Design defects that make products inherently dangerous. Marketing defects like inadequate warnings or instructions. Texas product liability insurance coverage includes legal defense costs, settlements, judgments, and medical expenses from injuries caused by your products. All three defect types are covered. Understanding which defect type applies to your claim determines how your policy responds and what documentation you’ll need to provide.

Yes, e-commerce sellers in Texas need product liability insurance, especially if selling on Amazon. Online retailers face the same liability exposure as brick-and-mortar stores—perhaps more, since marketplace platforms like Amazon mandate minimum $1 million coverage for sellers exceeding $10,000 monthly sales. Your Texas product liability insurance protects you whether customers shop your website, your booth, or your storefront. Distribution channel doesn’t eliminate liability—it just changes how claims typically arise.

Absolutely. Product liability insurance integrates with general liability insurance through Business Owners Policies (BOP) or commercial package policies. Bundling typically reduces premiums while simplifying coverage management. The Allen Thomas Group structures these combinations routinely for Texas businesses across multiple industries. We identify which coverages make sense together and which should remain separate based on your specific operations and carrier options. Strategic bundling of your Texas product liability insurance with other policies often saves 15-25% compared to purchasing policies separately.

Policy exclusions or coverage limits may result in claim denials. Common reasons include claims outside policy exclusions, expired coverage periods, or failure to report claims promptly. Working with an independent agency like Allen Thomas Group helps prevent denials through proper policy selection and claims process guidance from the start. We review claim scenarios during policy selection to ensure your Texas product liability insurance coverage responds when you actually need it. If a denial occurs, we advocate with carriers on your behalf to explore all available coverage options.