What is Plastics and Plastic Good/Manufacturers/Importers General Liability Program?
The Plastics and Plastic Goods/Manufacturers/Importers General Liability Program offers tailored coverage for businesses involved in producing or importing plastic products. This type of commercial liability insurance helps protect against third-party claims for bodily injury, property damage, or personal injury that may arise from business operations, products, or premises.
Whether a company manufactures injection-molded plastic components or imports finished goods like containers, toys, or packaging materials, liability exposures can exist throughout the supply chain. This program is designed to address those risks and provide financial protection against lawsuits and legal expenses.
Who needs it
This coverage is ideal for manufacturers, importers, and distributors of plastic goods, including consumer products, industrial parts, or packaging materials. Businesses handling raw plastic materials or producing goods for retail or commercial use should consider this policy. Even small operations with limited production runs may face liability concerns due to operational hazards or product defects.
Related industries such as wood product manufacturers and rubber goods producers often face similar risks and benefit from comparable general liability programs.
What it typically covers
A Plastics and Plastic Goods General Liability Program usually includes protection for:
- Premises liability – Injuries occurring at your business location
- Products liability – Claims involving your manufactured or imported goods
- Completed operations – Injuries or damages after work is completed
- Advertising and personal injury – Libel, slander, or copyright infringement claims
Some policies may also include limited property coverage or provide endorsements for additional needs like commercial auto exposure or equipment damage.
For example, if a plastic storage bin cracks and causes injury to a customer, the business may face a liability claim. This insurance helps cover associated legal and settlement costs.
Common exclusions or limitations
General liability insurance typically does not cover:
- Professional errors or design flaws
- Injuries to employees (covered under workers' compensation)
- Intentional acts or known product defects
- Damage to your own property or inventory
Coverage limits and exclusions vary by insurer and may be influenced by your products, materials used, or countries of import/export.
Factors that influence cost
Premiums for a general liability program depend on several underwriting factors, including:
- Annual revenue and volume of goods produced or imported
- Product type and end-use risks
- Claims history and risk management practices
- Workforce size and business location
Insurers also consider transportation risks, especially for importers who rely on overseas shipping or third-party logistics providers.
Proof of insurance & compliance
Many buyers, retailers, and vendors require proof of liability insurance before doing business with manufacturers or importers. Certificates of insurance (COIs) are commonly requested to confirm coverage limits and policy terms. Maintaining proper documentation helps ensure regulatory and contractual compliance.
How to get a quote
To receive a quote for Plastics and Plastic Good/Manufacturers/Importers General Liability coverage, you'll need to provide basic business information, details about your operations and products, and any prior claims history. Working with an insurer experienced in plastic manufacturing risks can help ensure you get the right coverage for your exposure.
Request a quote today and protect your business from liability risks.
Frequently Asked Questions
What types of plastic goods are covered under this program?
Most commercial and consumer-grade plastic products are eligible, including packaging, containers, industrial components, and household items, though underwriting may vary.
Does this insurance cover imported products?
Yes, importers are typically covered under this program, but coverage may depend on the origin of goods and your role in the supply chain.
Is product recall included in general liability coverage?
No, product recall is generally excluded. Separate product recall insurance is needed for those concerns.
What happens if a customer is injured by one of our products?
If your product causes injury or property damage, the policy can help cover legal defense and settlement costs, subject to policy terms and limits.
Can I add additional insureds to my policy?
Yes, many general liability policies allow you to add vendors, clients, or landlords as additional insureds with a proper endorsement.
Still have questions? Talk to a local insurance expert.