Product Liability Insurance in Florida

To win a product liability case in Florida, plaintiffs must show two things. First, they must prove that the product had a defect that made it unreasonably dangerous. Second, they must provide evidence that the defect caused their injuries. A defect can come from various sources, including design, manufacturing, labeling, warranty, fraud, or misrepresentation. Plaintiffs can use theories of negligence or strict liability to hold manufacturers, designers, sellers, or distributors accountable for their faulty products.

As much as the burden of proof falls on plaintiffs, there are also certain legal defenses manufacturers can use to protect themselves in a product liability case. For example, they may argue that the plaintiff was aware of a certain risk associated with the product and assumed that risk. They may also attempt to prove that their product was not really defective, or that the defect was caused by someone else.



To businesses, product liability cases end up being very costly, which is why it is important to protect yourself with product liability insurance in Florida. This type of insurance covers any legal costs and awards that may arise from a product liability claim. It also covers the cost of reputational damage, and remediation expenses related to such a claim.

At Bellken Insurance Group, our experienced agents provide comprehensive and cost-effective commercial insurance plans, including product liability insurance to businesses throughout the state of Florida. We are committed to finding the best coverage for your business at a competitive rate.

Our team is knowledgeable and highly trained in all aspects of Florida product liability law, so you can rest assured that we will guide you through the process and provide you with the protection your business needs.

Contact us today to learn more about our product liability insurance solutions. We look forward to helping you protect your business from any potential claims.

The following types of businesses may require product liability insurance in the state of Florida:

• Automotive Manufacturers
• Pharmaceutical Companies
• Electronics Companies
• Food and Beverage Producers
• Toy Companies
• Household Appliance Manufacturers
• Sports Equipment Manufacturers
• Clothing and Accessory Designers
• Furniture Retailers and Wholesalers
• Boating Supply Companies
• Hardware and Tool Manufacturers
• Cosmetics Companies
• Industrial Machine Manufacturers
• Homebuilders and Landscapers
• Office Equipment Retailers

Can't find the right coverage for your business? Don't worry — contact us today to speak with one of our knowledgeable agents.

Product liability insurance offers comprehensive coverage against claims related to product defects. Policies typically contain the following coverages:

• Legal Fees and Expenses: Covers costs associated with defending a lawsuit, including attorney fees, court costs, settlement charges, and expert witness fees.
• Damages and Judgments: Pays for any awards or settlements awarded by a court in the event of a product liability case.
• Medical Expenses: Pays for medical expenses resulting from an injury caused by a defective product.
• Non-Monetary Losses: Covers awards for non-monetary losses, such as emotional distress and pain and suffering.

At Bellken Insurance Group, we understand the importance of protecting your business from product liability claims. That’s why we offer comprehensive coverage with our Florida product liability insurance policies.

Product liability insurance policies cover all types of product defects, including, but not limited to:

• Design Defects: A defect caused by poor design or engineering. Common examples include faulty brakes or structural issues. For example, a roofing shingle that is designed to be fire-resistant but fails in an actual fire can be classified as a design defect.
• Manufacturing Defects: A defect that occurs during the manufacturing process, such as a loose part or incorrect assembly. This can include defective components, improper labeling, and missing parts.
• Warning Defects: Failing to provide appropriate warnings about potential dangers related to the use of a product. For example, if a toy does not include warnings about its age-appropriateness or potential choking hazards, it can be considered to have a warning defect.

At Bellken Insurance Group, we are committed to providing you with the best coverage for your business at the most competitive rates.

Product liability policies typically include exclusions for a variety of claims, including:

• Intentional Acts: Claims resulting from intentional acts or failure to act are generally not covered. This includes insurance fraud or negligence that leads to injury or death.
• Defects Known by Manufacturer: Claims resulting from defects that are known to the manufacturer but not corrected or disclosed cannot be covered.
• Contractual Liability: If a party has contracted with another party for indemnification, product liability insurance generally does not provide coverage.
• Products Used for Professional Services: Unless specified, many product liability policies typically exclude products used in professional services. Examples of such products include dental appliances, medical devices, and legal software.

Some product liability policies don't cover product recall expenses. Be sure to ask your agent about these additional coverages and any other exclusions in the policy.

Every business is different and has its own unique coverage needs. It is important to understand the risks associated with your business, so you can choose the right coverage for your needs. Here are a few factors to consider when determining how much product liability coverage to purchase:

• The type of products you manufacture or sell: If you are selling a product that has the potential to cause bodily injury, property damage, or financial losses, it is important to purchase enough coverage to protect your business.
• Potential risks associated with the products: Consider any hazards and safety concerns associated with the products you sell. If there is a greater risk of harm from using your product, you may need more coverage.
• Your business’s financial stability: The amount of product liability coverage you buy should be appropriate for your specific business needs and the cost associated with potential claims.
• Your industry or business sector: Certain industries, such as healthcare and manufacturing, are more likely to face product liability claims. If you operate in one of these industries, it is important to purchase higher limits of coverage.
• The potential severity of an injury or damage: The potential for severe injuries or property damage associated with a product will require higher limits of coverage.

Other factors to consider include the size of your business and the types of products you distribute or manufacture.

The cost of product liability insurance depends on several factors, such as the type of industry you are in and the size of your business. Other factors, such as the location of your business and the severity of potential claims should also be taken into consideration.

For example, businesses in the medical device industry or those that sell potentially hazardous products such as electronics, are likely to pay more for their product liability insurance due to the higher risk of injury or property damage associated with these products.

The size and location of your business can also affect the cost of your coverage. Generally, businesses located in areas with a higher risk of liability claims, such as areas prone to natural disasters or those with a high number of product liability lawsuits, will pay higher premiums.



On average, product liability insurance costs $0.25 for every $100 of revenue in low-risk categories. Higher risk categories can cost up to $1.00 for every $100 of revenue. At times, premium prices can be even higher depending on the type of business and products being sold.

Fortunately, there are several ways to lower your product liability insurance costs. One way is to ensure that all products you sell are properly tested and meet safety standards. This can help reduce the risk of injury or property damage claims against your business.

Additionally, it is important to keep a record of all product liability claims and to ensure that your business is in compliance with all relevant laws and regulations. This can help prevent potential lawsuits against your company.



Finally, consider increasing the deductibles on your policy. This can lower the cost of coverage while still providing protection for your business in the event of a claim.

Finding the right product liability insurance for your specific business needs and budget can be difficult. At Bellken Insurance Group, we make it easy to get free quotes on Florida product liability insurance from multiple providers in minutes.



We understand that each business is unique, so our experts will work with you to find the best coverage options at the most affordable rates. Contact us today to learn more about liability insurance and get a free quote!