Products Liability Policies

Policies which indemnify a manufacturer, wholesaler, distributor or merchant against suits brought by persons who are injured or who have suffered damages by reason of the product sold. A chair leg may give way when someone sits on the chair; hair dye may cause damage to the skin of a customer in a beauty parlour; a foreign substance may be found in a bottle of ginger ale; a pen may leak and ruin a lady's expensive dress; or dye in a new hat may drip in heavy rain all over an expensive raincoat. All such cases subject the manufacturer and the various persons handling the article to a possible claim or suit and protection against such a risk is found in the Products Liability Insurance Policy.