Get A Precise Product Liability Insurance Quote In Virginia Now
It Just Takes A Few Clicks
Or Give Us A Call At (440) 826-3676
20+ Years Experience | 20+ States Served | 10+ A-Rated Carriers | CISR Certified Agents
Protect Your Virginia Business with Comprehensive Product Liability Coverage
Virginia product liability insurance protects businesses from lawsuits when products cause injury or property damage.
Claims jumped 28.63% nationally in recent years. The average jury award?
A staggering $7.6 million. Whether you manufacture, sell, or distribute products in Virginia, one defective item can threaten everything you’ve built.
The Allen Thomas Group provides affordable product liability insurance to Virginia businesses, combining 20+ years of expertise with access to top carriers across 20+ states. We make protecting your business Smart & Easy.
Get Your Free Virginia Product Liability Quote
Compare rates from multiple carriers.
What does product liability insurance cover?
Product liability insurance protects your business when products you make, sell, or distribute cause bodily injury or property damage. Coverage includes legal defense costs, settlements, and judgments for three main defect types: manufacturing defects (production problems), design defects (flawed concepts), and marketing defects (inadequate warnings or instructions).
This protection applies even under strict liability laws where fault doesn’t need to be proven. This means if a customer is injured by your product, your insurance pays for their medical bills, your legal defense, and any settlement or judgment—protecting your business from bankruptcy-level financial exposure.
Your policy covers attorney fees, court costs, expert witnesses, and settlements up to your coverage limits. It also protects you during the claims process, even if you’re ultimately found not liable.
What Product Liability Coverage Protects Your Virginia Business From
What does product liability insurance cover?
This essential coverage protects your business when products you make, sell, or distribute cause bodily injury or property damage. It covers legal defense costs. Settlements. Judgments. Even when you’re not at fault.
The financial protection is critical.
Defense costs alone average $861,000. That doesn’t include settlements or jury awards. Without coverage, a single claim could devastate your small business finances. Virginia insurance regulations through the State Corporation Commission make this coverage more important than ever for businesses in the supply chain.
Your Product Liability Insurance Covers
- Manufacturing defects – Problems that occur during production
- Design defects – Flaws in how the product was conceived
- Marketing defects – Inadequate warnings or instructions
- Legal defense costs – Attorney fees, court costs, and expert witnesses
- Bodily injury claims – Medical expenses when products harm customers
- Property damage – When defective products damage customer property
- Product recall insurance – Optional coverage for recall costs when you discover defects (available as add-on endorsement)
Understanding Coverage Limits and Insurance Premiums
Virginia product liability coverage typically ranges from $1 million to $5 million per occurrence. Annual aggregate limits run $2 million to $10 million. Your specific coverage limits depend on your products, sales volume, and risk exposure.
Most Virginia businesses start with a $1 million per occurrence / $2 million aggregate policy. This satisfies most contract requirements. It provides solid protection. High-risk manufacturers or businesses with significant sales volumes often need $2 million or higher limits.
Understanding policy exclusions is critical. Standard product liability policies don’t cover intentional acts, recalled products after you knew about the defect, or contractual liability. We help you understand exactly what’s covered and what’s not—no surprises when you need to file a claim.
Insurance premiums in Virginia vary based on your industry classification, annual sales, claims history, and coverage limits. Small manufacturers typically pay $1,200-$3,500 annually. Retailers often pay $800-$2,200. We shop multiple carriers to find you competitive rates through our independent insurance agency network.
Virginia Insurance Regulations You Need to Know
Virginia insurance regulations govern product liability coverage through the State Corporation Commission’s Bureau of Insurance. While Virginia doesn’t mandate product liability insurance for most businesses, many industries require it. For licensing. For contract compliance. For peace of mind.
The Virginia Bureau of Insurance regulates insurance underwriting, premium rates, and claims handling to protect businesses and consumers. Working with licensed insurance brokers in Virginia ensures your policy meets all state requirements and provides compliant coverage.
Virginia’s consumer protection laws and tort law create significant liability exposure. For businesses selling defective products. For distributors. For retailers. Under Virginia’s strict liability doctrine, you can be held responsible for product defects even without negligence. This makes adequate product liability coverage essential, not optional.
Risk management goes beyond insurance. We help Virginia businesses implement product safety standards. Improve quality control processes. Establish protocols to minimize liability exposure. Smart risk assessment reduces claims and keeps your premiums manageable.
Here’s what makes this coverage essential: You can be held liable under strict liability laws even without negligence. If your product causes harm and you sold it, you’re potentially responsible. This applies whether you manufactured it yourself or simply sold it in your store.
Real scenarios we see every day. A manufacturer discovers a component defect after products ship. A retailer sells a product that injures a customer. An e-commerce seller imports goods that fail safety standards. Each situation creates significant liability exposure.
The Allen Thomas Group helps Virginia businesses across all these scenarios. We customize coverage to match your specific products and risk levels.
How to Get Product Liability Insurance in Virginia: 3 Simple Steps
We’ve simplified the insurance process. You focus on running your business. We handle the complexity.
We start by learning about your products. Your sales volume. Distribution channels. Unique risks. This conversation helps us understand exactly what coverage you need—not what someone thinks you should buy.
No pressure. No jargon. Just straight answers from licensed insurance professionals who understand Virginia commercial insurance.
As an independent agency, we access multiple top-rated insurance carriers. We compare coverage options and pricing, presenting you with choices that fit your budget and protection needs. You get objective advice, not a sales pitch for one company.
This is where our insurance underwriting expertise makes the difference. We know which carriers offer the best rates for your specific industry. Which ones have the strongest claims handling. Which ones understand Virginia business insurance needs.
Once you select your coverage, we handle the paperwork and coordinate with the carrier. You’ll have your certificate of insurance quickly—often within 24 hours—so you can meet contract requirements or simply have peace of mind.
This is our Smart & Easy difference. We’ve been doing this for 20+ years across Virginia and 20+ states. We know the carriers, understand the coverage options, and speak plain English instead of insurance jargon. Most importantly, we build relationships—not just sell policies.
Which Virginia Businesses Need Product Liability Coverage?
Product liability insurance protects businesses throughout the supply chain. If you make, sell, or distribute products in Virginia, you likely need this coverage.
High-Risk Industries Requiring Product Liability Coverage
Protection against production defects and quality control issues affecting finished goods. Manufacturing operations face the highest exposure. One quality control failure can result in mass injuries and devastating legal liability.
Protection against contamination, spoilage, and allergic reactions. Virginia food businesses face strict FDA regulations and consumer protection requirements. One contaminated batch can trigger recalls and lawsuits.
Coverage for skin reactions and product safety issues. The beauty industry faces increasing scrutiny over ingredient safety and allergen warnings. Even properly formulated products can cause unexpected reactions.
Retail and Distribution Coverage Needs
Brick-and-Mortar Retail Stores
Coverage even when you don’t manufacture the products you sell on your shelves. Here’s the shocking truth: retailers can be held liable even when the manufacturer is responsible for the defect.
E-Commerce and Online Sellers
Protection for online sales, including imported goods from overseas suppliers. Virginia e-commerce businesses importing products face unique risks. If the overseas manufacturer can’t be located or sued, you’re the target.
Wholesale Distribution Centers
Supply chain liability coverage when products move through your warehouse. Distribution operations face exposure from every product that passes through. One defective shipment can trigger multiple claims across your customer base.
Consider these real risks: 31.6% of product liability insurance customers are manufacturers, making production defects the leading claim type. But retailers and distributors face exposure too. You can be held liable for products you sell even if the original manufacturer is overseas or out of business.
Virginia’s 818,450 small businesses operate with limited resources. One major claim could force you to close your doors. A defective product lawsuit isn’t just about the settlement. It’s about legal fees. Lost productivity. Damaged reputation. Business interruption.
Whether you’re a Richmond manufacturer, a Virginia Beach retailer, or a Norfolk distributor, we understand your risks. We’ve worked with Virginia businesses across these industries. Tailoring coverage. Matching your specific products and operations.
Why Choose The Allen Thomas Group for Your Product Liability Insurance Needs
Getting the right product liability coverage requires expertise. Carrier access. Personal attention. Here’s what sets us apart.
Independent Agency Advantages
As a full-service Virginia commercial insurance agency, we understand how product liability coverage integrates with your other business insurance policies. Many businesses bundle product liability with their commercial general liability policy for comprehensive protection and cost savings.
We analyze your complete insurance portfolio—not just one policy. This ensures you have coordinated coverage. No gaps. No unnecessary overlaps.
Our independent agency approach means:
We represent multiple insurance companies, giving you objective advice and competitive options. Captive agents can only offer their company’s products. You get one option. We give you choices.
We work for you—not for one insurance company. This means we can shop your coverage, compare pricing, and find the best fit for your specific situation.
Virginia Market Expertise with National Carrier Access
20+ Years of Experience – We’ve simplified insurance for thousands of businesses, saving them time and money through proven processes. We’ve seen every type of product liability claim. We know what works.
Local Expertise, National Reach – Virginia market knowledge combined with access to top carriers across 20+ states for best options. We understand Virginia insurance law. We know the State Corporation Commission requirements. We’re licensed to serve you.
Personalized Service – We build relationships and understand your unique needs, not just sell generic policies. You get a dedicated team. One that knows your business. One that responds when you need help.
Smart & Easy Process – We eliminate confusion and complexity, making insurance decisions straightforward and stress-free.
Our approach is different. We take time to understand your products. Your customers. Your distribution channels. Your concerns. Then we match you with the right coverage from carriers we trust.
No pressure. No jargon. No runaround.
You get a dedicated team that knows your business and responds when you need help. That’s the relationship-building approach we’ve maintained since day one.
Ready to protect your Virginia business?
What to Expect During the Insurance Claims Process
If you need to file a product liability claim, we guide you through every step of the insurance claims process. Understanding how claims work helps you respond quickly. It protects your rights.
When a product causes injury or damage, contact us immediately—even before formally filing a claim. We help you document the incident. Preserve evidence. Notify your insurance carrier within policy timeframes.
Quick action protects your coverage.
Your insurance carrier assigns a claims adjuster to investigate and evaluate the claim. We advocate for you throughout this process. We ensure the adjuster understands your business operations. Your product safety measures. The specific circumstances of the incident.
Insurance brokers who know the claims process make all the difference. We’ve worked with claims adjusters for 20+ years. We speak their language. We protect your interests.
Product liability policies include legal defense costs, which can exceed $800,000 even for claims you ultimately win. Your policy covers attorney fees, court costs, expert witnesses, and settlements or judgments up to your coverage limits.
We help coordinate with your carrier’s legal team for the strongest possible defense.
Virginia insurance law requires carriers to handle claims in good faith. To respond to communications promptly. If you experience any issues with your carrier’s claims handling, we escalate concerns and work to resolve problems quickly.
Your carrier relationship matters. We only recommend insurers with strong claims service reputations in Virginia.
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
We partner with top-rated carriers to find you the best rates and coverage options.
Contact The Allen Thomas Group for a Free Virginia Product Liability Insurance Quote Today
Product liability claims are rising across the country. Virginia businesses need protection now more than ever. Don’t let one defective product claim threaten everything you’ve built.
The Allen Thomas Group has 20+ years of experience helping businesses like yours find the right coverage at the right price—our Smart & Easy way. We combine local Virginia expertise with access to top insurance carriers across 20+ states. We’re independent. We’re experienced. We’re here to help.
Whether you manufacture products in Richmond, run a retail operation in Virginia Beach, or distribute goods through Norfolk, we understand your unique risks. We know Virginia insurance regulations. We speak plain English. Most importantly, we build lasting relationships with our clients.
Getting started is simple. No complicated forms. No pressure. Just honest advice from CISR certified professionals who care about protecting your business.
Get your free quote today.
Call (440) 826-3676 or request a consultation.
These are the most common questions we hear from businesses about product liability insurance.
How much does product liability insurance cost for small businesses in Virginia?
Small businesses typically pay $800 to $2,200 annually for product liability coverage. Your specific cost depends on several factors. The type of products you sell. Your annual sales volume. Your claims history. Whether you manufacture or just distribute goods.
High-risk products like food or electronics cost more than low-risk items. A Richmond manufacturer might pay $2,500 annually. A Virginia Beach retailer selling low-risk goods might pay $900.
Insurance premiums are calculated using industry classification codes, your sales volume, payroll, and risk assessment factors. Businesses with strong product safety standards and no claims history qualify for better rates.
Get a free, no-obligation quote from The Allen Thomas Group to see your exact pricing. We shop multiple carriers to find you competitive rates.
Does my Virginia business need product liability insurance?
If you manufacture, sell, or distribute products, you need this coverage. This includes manufacturers, retail stores, e-commerce sellers, wholesalers, distributors, and food businesses.
Here’s the critical point: retailers and distributors can be held liable even when they didn’t manufacture the product. If a customer can’t locate the original manufacturer or they’re overseas, you’re potentially responsible.
Think about it. You sell a product in good faith. It injures someone. The manufacturer is in China and unreachable. Under Virginia tort law and consumer protection laws, you can be sued. Without product liability coverage, you’re paying legal defense costs out of pocket.
This means your business is exposed every time you put a product on a shelf or ship an order. With Virginia’s 818,450 small businesses operating on tight margins, one uninsured claim could shut you down.
Virginia insurance regulations don’t mandate this coverage for all businesses. But commercial landlords often require it. Contracts require it. Smart business owners carry it. Risk management demands it.
What is the difference between general liability and product liability insurance?
General liability insurance covers accidents at your business location, like customer slip-and-fall injuries. Product liability insurance specifically covers harm caused by products you make, sell, or distribute—even after they leave your premises.
In other words, general liability protects your operations, while product liability protects your products.
Here’s a simple example. A customer slips on your wet floor? That’s general liability. A customer is injured by a product you sold them at home? That’s product liability.
Most Virginia businesses need both coverages for complete protection. Many businesses bundle product liability with their commercial general liability policy for cost savings and coordinated coverage limits.
As an independent insurance agency, we help you understand exactly which coverages you need. No gaps. No overlaps. Just the right protection at the right price.
Can retailers be sued for product defects they didn't cause?
Yes. Under Virginia law, retailers can be held liable for defective products even if the manufacturer is responsible for the defect.
This means if you sell a product that injures someone, you may face a lawsuit even though you didn’t make the product. You didn’t design it. You didn’t manufacture it. You just sold it. But under Virginia’s strict liability doctrine and consumer protection laws, you’re still potentially liable.
Product liability insurance protects Virginia retailers from this “supply chain liability” exposure. It covers your legal defense. Settlement costs. Judgments. Even if the manufacturer is ultimately responsible, you still face legal expenses defending yourself.
Here’s what happens in real scenarios. An overseas manufacturer sells defective products to your store. You sell them to customers. Someone gets injured. The manufacturer can’t be located or sued. Guess who the plaintiff’s attorney targets? You.
This is why retail stores, e-commerce sellers, and wholesale distributors all need product liability coverage—even when they don’t manufacture anything. The Allen Thomas Group helps Virginia retailers get appropriate coverage at affordable rates.
Popular Virginia Cities We Serve
Abingdon
Alexandria
Annandale
Aquia Harbour
Arlington
Ashburn
Ashland
Bailey’s Crossroads
Bedford
Belle Haven
Bellwood
Belmont
Bensley
Big Stone Gap
Blacksburg
Bon Air
Brambleton
Brandermill
Bridgewater
Bristol
Broadlands
Buckhall
Buena Vista
Bull Run
Burke
Burke Centre
Carrollton
Cascades
Cave Spring
Centreville
Chamberlayne
Chantilly
Charlottesville
Cherry Hill
Chesapeake
Chester
Christiansburg
Collinsville
Colonial Heights
Countryside
Covington
Crosspointe
Crozet
Culpeper
Dale City
Danville
Dranesville
Dumbarton
Dumfries
Dunn Loring
East Highland Park
Emporia
Ettrick
Fairfax
Fairfax Station
Fair Lakes
Fair Oaks
Falls Church
Farmville
Fishersville
Floris
Forest
Fort Belvoir
Fort Hunt
Franconia
Franklin
Franklin Farm
Fredericksburg
Front Royal
Gainesville
Galax
George Mason
Glen Allen
Gloucester Point
Great Falls
Greenbriar
Groveton
Hampton
Harrisonburg
Herndon
Highland Springs
Hollins
Hollymead
Hopewell
Huntington
Hybla Valley
Idylwood
Independent Hill
Innsbrook
Kings Park
Kings Park West
Kingstowne
Lake Barcroft
Lake Monticello
Lake of the Woods
Lake Ridge
Lakeside
Lansdowne
Laurel
Laurel Hill
Leesburg
Lexington
Lincolnia
Linton Hall
Long Branch
Lorton
Lowes Island
Lynchburg
Madison Heights
Manassas
Manassas Park
Manchester
Mantua
Marion
Martinsville
Marumsco
Massanetta Springs
McLean
McNair
Meadowbrook
Mechanicsville
Merrifield
Montclair
Montrose
Mount Vernon
Neabsco
New Baltimore
Newington
Newington Forest
Newport News
Norfolk
North Springfield
Oakton
Orange
Petersburg
Pimmit Hills
Poquoson
Portsmouth
Potomac Mills
Pulaski
Purcellville
Quantico Base
Radford
Reston
Richlands
Richmond
Roanoke
Rockwood
Rose Hill
Salem
Sandston
Seven Corners
Short Pump
Smithfield
South Boston
South Riding
South Run
Springfield
Staunton
Sterling
Stone Ridge
Strasburg
Stuarts Draft
Sudley
Suffolk
Sugarland Run
Timberlake
Triangle
Tuckahoe
Tysons
Vienna
Vinton
Virginia Beach
Wakefield
Warrenton
Waynesboro
West Falls Church
West Springfield
Williamsburg
Winchester
Wolf Trap
Woodburn
Woodlake
Woodlawn
Woodstock
Wyndham
Wytheville
Yorkshire
