Product Liability Insurance in Massachusetts

Atlantic Insurance Brokerage, Inc is providing insurance options for product liability insurance to businesses in Massachusetts & beyond.

Start Your Quote
Product Liability Insurance Massachusetts

Get a Quote for Product Liability Insurance in Massachusetts


Product Liability Insurance Massachusetts

When you sell, manufacture, or distribute a product in Massachusetts, the potential for liability exists. Whether you’re operating a small startup or an established business, product liability exposures can lead to costly claims.

At Atlantic Insurance Brokerage, we understand how important it is to help protect your business from unforeseen issues. That’s why we offer guidance on product liability insurance tailored to businesses throughout the Bay State.

What Is Product Liability Insurance?

Product liability insurance is a type of coverage that may help protect your business from claims related to the products you sell, manufacture, or distribute. These claims can include allegations of bodily injury or property damage caused by a product defect, design flaw, or improper labeling. While every policy is different, this type of business insurance may assist in handling legal defense costs or settlements, depending on the situation and your policy terms.


Get a Quote

Send us a bit of your information and we’ll be in touch shortly!

“Dan was so knowledgeable and helpful with both my personal insurance and also our commercial policies. Can’t recommend more!! Always nice to be able to pick up the phone and deal with an agent directly.”

D. Wallace

Google Review

Why Might Massachusetts Businesses Need Product Liability Insurance?

Massachusetts businesses involved in the production, distribution, or sale of goods may face liability risks if a product causes harm. Claims could arise due to malfunctioning devices, contaminated food, or even mislabeled packaging. In some cases, lawsuits are filed even when the business has done everything right. Product liability insurance is designed to offer financial protection and peace of mind for businesses facing these types of risks.

Product Liability Insurance Massachusetts

Who Could Benefit from This Type of Coverage?

Several types of businesses in Massachusetts might find value in product liability insurance. These include:

  • Manufacturers of consumer goods, electronics, or industrial parts
  • Food and beverage producers or distributors
  • Importers or wholesalers of foreign-made products
  • Retail stores selling goods online or in-person
  • Artisan creators or small-batch producers selling at markets or via e-commerce

Even companies that don’t physically manufacture items can be held responsible if their name appears on the product or packaging. That’s why understanding potential liability is essential for many business owners.

Product-related risks can vary widely depending on the type of product and how it’s used. Common exposures include:

  • Defective design: A product may be designed in a way that creates a safety hazard when used as intended.
  • Manufacturing flaws: Problems during production may lead to faulty items entering the market.
  • Improper labeling: If a product lacks clear instructions or warnings, the user might be injured even when using it correctly.
  • Contamination: For food or cosmetic businesses, a single contaminated batch can cause widespread issues.

Each business in Massachusetts has unique exposures depending on the products they offer. Working with a knowledgeable agency like Atlantic Insurance Brokerage can help identify those potential risks.

Massachusetts law does not mandate product liability insurance for every business. However, certain industries or contracts may require it. For example, distributors or retailers may ask manufacturers to carry this coverage before agreeing to sell their products. In some cases, landlords or commercial leases may also request proof of liability coverage.

While it may not be legally required in all situations, having product liability insurance can be a smart step in protecting your business’s future.

The cost of product liability insurance in Massachusetts can vary based on a number of factors, such as:

  • Type of product(s) sold or manufactured

  • Annual revenue and sales volume

  • Claims history

  • Distribution channels (local, national, international)

  • Packaging and labeling practices

  • Safety protocols or quality control processes

Because each business is unique, the best way to understand your insurance options and pricing is to request a customized quote. At Atlantic Insurance Brokerage, we work closely with you to find policies that fit your budget and your level of risk.

At Atlantic Insurance Brokerage, we’ve been serving businesses across Massachusetts with care and personalized service. We take the time to learn about your operations, understand your exposures, and walk you through available options. Whether you’re a new business looking for your first policy or a growing operation reevaluating your coverage, our team is here to support you every step of the way.

We work with multiple insurance carriers, giving us access to a range of product liability solutions. This allows us to help you compare policy features and pricing so you can make informed decisions with confidence.

Before purchasing product liability insurance, it’s helpful to consider a few key questions:

  • What types of products does your business handle?
  • Do you manufacture, import, or relabel goods?
  • Have you had any prior claims or incidents?
  • Are you planning to expand your product line or reach new markets?
  • What contracts or partners may require you to carry this type of coverage?

By answering these questions, you’ll be better prepared to discuss your insurance needs with our team and ensure that you’re considering the appropriate level of protection for your operations.

Atlantic Insurance Brokerage, Inc

How Do I Get Started?

Getting started with product liability insurance is simple. If you operate a business in Massachusetts and work with physical products, product liability insurance may be worth considering. Atlantic Insurance Brokerage is ready to assist with tailored coverage options and experienced advice. Contact us today to request a quote or learn more about how we can support your business.

Request a Quote!

Don’t navigate insurance alone! Contact our Massachusetts team to find the perfect coverage for your needs.

Request your quote below