Use of Virtual Offices and Virtual Mailboxes

How Virtual Offices and Mailboxes Can Assist International Manufacturers For product manufacturers located outside the United States, obtaining product liability insurance can be a crucial step in protecting their businesses from potential legal and financial risks. One of the requirements…

7 Variables Impacting Product Liability Insurance Premiums

Some may surprise you. There are approximately seven variables that can impact your premium. Some you have control over, but others not so much. Your product. Products cover the full spectrum of risk, so I will not spend a lot…

8 Product Liability Risk Factors of Drone Use

Misuse, intentional or otherwise, could lead to liability issues Drones are everywhere now and you’ll be seeing even more of them in the years to come. While still popular with hobby enthusiasts, they’re gaining even more ground in commercial markets,…

Drop Shipping and Quality Control

What are the importer’s responsibilities? The term drop shipping often has two very different meanings to the business owner and the insurance underwriters. Most business owners will tell you drop shipping means they are not responsible for the products. Many business owners…

E-Cig Distributor DOs and DON’Ts

Things you may not have thought about Studies, so far, have not determined the typical four ingredients in e-cigs – liquid nicotine, propylene glycol, vegetable glycerin and food flavoring – to be serious health hazards, as long as the ingredients…

Vendor Portals

Making it easy to find out insurance requirements We specialize in helping start-up businesses with their Product Liability Insurance needs. We get a lot of calls from start-ups asking us to help them with their business plan and budgets. It is important for…

Product Liability Insurance 101

Understanding the basics of a Product Liability Insurance policy Product Liability Insurance coverage protects manufacturers, distributors, importers, retailers, etc. if a product results in bodily injury or property damage. It can be purchased as part of a General Liability policy or…

Why Are My Premiums So High?

What every Product Liability insurance shopper wants to know There is a primary reason most start-ups and small businesses don’t qualify for low minimum premiums for product liability. It’s because they don’t qualify to place with a standard or admitted…

Pollution Liability Insurance for Manufacturers, Importers

What’s not covered by your Product Liability policy The pollution exclusion is one of the most overlooked and devastating exclusions in a Product Liability policy. Many manufacturers and importers of equipment such as machinery, piping and hoses overlook the fact…

Peanut Corp of America and Product Liability

Since the Peanut Corporation of American knew that many of the products they were shipping were potentially contaminated by Salmonella, they could be denied product liability insurance coverage because it was an intentional act.