What happens if a customer is injured by my product?
If a product you sold injures a customer, you can face a product-liability claim for their medical costs, losses, and legal action, even if you did not manufacture it. Product liability insurance pays the defense costs and any settlement or judgment up to your limits. Without it, those costs come out of your business.
Get a free quoteWhat to do if it happens
01
Document everything
Record the product, order, batch, and what the customer reported, and keep all communication.
02
Notify your insurer
Report the potential claim to your insurer promptly; product liability includes legal defense for covered claims.
03
Do not admit fault
Be responsive and factual, but let your insurer and any counsel handle liability questions.
04
Preserve the product
Keep the item and any samples or records; they matter for the claim.
Why 'I just resell it' is no defense
Under strict product liability, every business in the chain of distribution, including resellers and retailers, can be named after a product injury, not only the manufacturer. That is why product liability insurance matters even if you did not make the item.
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Do not carry this risk alone.
Product liability insurance pays defense costs and settlements for covered product-injury claims. Assureful prices it on your real sales, from $26/mo.
From $26/mo
Pay-as-you-sell insurance
- A-rated underwriters
- 42% less than comparable A-rated insurers (avg)
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Questions
FAQ.
Am I liable if a product I sold injures someone?+
Potentially yes. As a seller in the chain of distribution you can be named in a product-injury claim even if you did not manufacture the item. Product liability insurance covers defense costs and covered settlements.
Related
General information, not insurance advice. Sources: Insurance Information Institute. Reviewed 2026-07-01.