When someone is injured by a product, they usually file a lawsuit against the manufacturer. Product liability covers manufacturers, distributors, suppliers, retailers and others who make those products available to the public against claims that those products injured others.
The claims most commonly associated with product liability are negligence, design defect, manufacturing defect, a failure to warn, strict liability, breach of warranty and various consumer protection claims.
Each type of product liability claim requires different elements to be proven to present a successful claim.
The claims may succeed even when products were used incorrectly by the consumer, as long as the incorrect use was foreseeable by the manufacturer. In other words, every manufacturer, distributor, supplier and retailer should look into product liability insurance to make sure they’re protected from claims.
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