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Product Guarantee Insurance

Product guarantee insurance covers the cost of compensating anyone who is injured by a faulty product that your business designs, manufactures or supplies.

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You should consider a product guarantee insurance if your business designs, manufactures or supplies a physical product, as your business may be held legally responsible for any injuries to people or damage to property caused by a faulty product.

You can be held liable for faulty products even if you did not manufacture them. You may be liable for paying compensation if:

  • Your business’s name is on the product
  • Your business repairs, refurbishes or changes a product
  • You imported the product
  • You cannot identify the product’s manufacturer, or the manufacturer has gone out of business.

Product guarantee insurance protects you against the cost of compensation for:

  • Personal injuries caused by a faulty product
  • Loss of or damage to property
  • Unforeseeable circumstances such as product faults that your quality control system could not identify.

FAQs

What is product guarantee insurance?

Product guarantee insurance protects businesses against compensation costs arising from faulty products they design, manufacture, import or supply. Liability may arise even if the business did not manufacture the product itself.

Is product guarantee insurance suitable for bespoke or specialist products?

Yes. Product guarantee insurance is often very relevant for bespoke, specialist or technically complex products, where faults are more likely to occur.

How much is product guarantee insurance?

Our product guarantee insurance is tailored to your specific needs. This means that the cost depends on several things such as the types of products you manufacture, the level of cover you choose, and your previous claims history.

Our specialist team will be happy to advise you on the appropriate level of cover based on your requirements.

Our specialist team will be happy to advise you on the appropriate level of cover based on your requirements.

*This information is a general guide only.  Adler Fairways will assess your requirements and recommend a bespoke range of insurance solutions to meet your needs.  As part of the quotation process, we will provide full details of the specific coverage, benefits, limits, premiums, exclusions, excesses payable, and any other policy conditions that would apply to the insurance we recommend for you.  We currently only offer cover to businesses registered in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

Words from our clients…

Shannonside Civil Engineering Ltd

"Over the last eight years we have continued to renew our cover through Adler Fairways, we consider them a partner of our wider business on the growth trajectory to being a 100 million pound business. Having guided us from a small start up to where we are today, their guidance and level of experience have been invaluable in ensuring we are covered in all aspects of our liabilities. This has allowed us to focus on growth and margins. Thank you Adler Fairways as we move forward together into the future." Shannonside Civil Engineering

John Hall, Director, West Midlands Fasteners

"Adler Fairways have taken care of our insurance needs for many years, during which time we have built a strong relationship. We have come to depend on their expertise and know we can always rely on them." West Midlands Fasteners

Faisal Ravat, Managing Director, E&S Motors Ltd

"We transferred our insurance to Adler Fairways Insurance Brokers in 2023, when they offered us a much more complete and competitive premium than our current brokers. The team took the time to understand our business and future needs; we have continued to receive excellent service from them, and have been impressed with their care, and attention to detail. What is key for our business is the advice that is given when needed, and the robust claims management internally which has helped manage our premiums for a traditionally difficult to insure niche sector of the motor trade." E&S Motors

Frank Ryan, Director, Reirse Ryan Ltd

"We have been with Adler Fairways for a number of years now and remain with them for the personal service we receive together with commercially competitive premiums and the knowledge that when a claim does arise, professional assistance is always to hand." Reirce Ryan

Gerald Doble, Director, G A Doble

"The Adler Fairways team has looked after our insurance portfolio for several years now and have provided excellent service throughout. Our annual renewal reviews are always conducted in good time ahead of renewal with all our questions answered and we are extremely impressed with the renewal proposals received. Prior to moving our business to Adler Fairways, we had not received a proper review for several years. The team were instrumental in making sure our insurance was arranged on the correct basis and have also been able to save us money on our premiums over the years. It is clear that they have our best interests at heart, both from an insurance cover and premium perspective. Whenever we have a query or need to make a change to our policies, it is dealt with efficiently and professionally. We can’t fault them on their reliability and excellent personal service".

John Dyke, Central Scaffold Walsall Ltd

"As a scaffold company operating within the construction industry, it is crucial for us to have a reliable and experienced insurance broker by our side. Adler Fairways has been a trusted partner to us for over 15 years and we couldn’t be more satisfied with their exceptional service. From the beginning, they demonstrated a deep understanding of the unique risks we face as a scaffold business and worked with us to ensure we’re always fully protected onsite. We have peace of mind in their ability to source comprehensive, industry-specific coverage at competitive rates which is a huge benefit to our operations. The fact that Adler Fairways is a Chartered insurance brokerage also demonstrates their ongoing commitment within their profession." Central Scaffold Walsall