Product Liability Insurance Program from A.I.I. Insurance Brokerage of MA
Product manufacturers, distributors, and retailers face a wide range of liability exposures tied to the goods they bring to market. A.I.I. Insurance Brokerage of MA offers access to Product Liability Insurance solutions designed to help you protect your clients from these risks. As an experienced Excess & Surplus Lines Broker, we work with a variety of carriers to place coverage that aligns with your clients’ operations—whether they are launching a new product, importing goods, or managing a legacy product line.
Ideal Accounts and Appetite
Our Product Liability Insurance program is designed for a broad spectrum of businesses involved in the production, distribution, or sale of physical goods. Ideal accounts include:
- Startups introducing new consumer products
- Importers and distributors of overseas-manufactured goods
- Private-label product companies
- Manufacturers of industrial, consumer, or food-related products
- Retailers, wholesalers, and e-commerce businesses
If you have a client launching a new line of fitness equipment or an importer bringing in electronics from Asia, we can help you find coverage that fits. We also consider harder-to-place risks and products with unique liability profiles.
Coverage Highlights and Advantages
Our product liability markets provide flexible coverage options designed to address claims arising from bodily injury or property damage caused by a covered product. Features may include:
- Occurrence or claims-made coverage forms
- Options for standalone Product Liability or combined with General Liability
- Coverage for defense costs, product recall (when available), and completed operations
- Access to carriers experienced in high-risk or niche product lines
We help agents navigate exclusions, coverage triggers, and policy terms to ensure your clients are appropriately protected.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the product class, exposure, loss history, and size of the business. We evaluate each submission individually and work with underwriters to find the best fit. Submissions should include detailed product information, distribution methods, and any testing or quality control procedures in place.
Territories and Availability
This program is available in the following states: Connecticut (CT), Massachusetts (MA), Maine (ME), New Hampshire (NH), and Rhode Island (RI). We focus on supporting agents and brokers throughout New England with responsive service and market access.
Why Work With A.I.I. Insurance Brokerage of MA?
At A.I.I. Insurance Brokerage of MA, we specialize in connecting agents with strong E&S markets for complex or non-standard risks. Our deep relationships with a variety of carriers allow us to offer tailored solutions for your clients’ product liability needs. Whether you're working with a new venture or a long-standing manufacturer, we provide the underwriting guidance and market access to help you place business efficiently and confidently.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program works well for manufacturers, importers, distributors, and retailers of consumer, industrial, or food-related products, including startups and businesses with complex exposures.
Which states is the program available in?
We currently offer this program in CT, MA, ME, NH, and RI.
Is this program admitted or non-admitted?
Most markets available through this program are non-admitted, giving us greater flexibility in underwriting unique or higher-risk accounts.
What information is needed to start a submission?
We typically need product descriptions, sales volumes, distribution methods, and any quality control or safety documentation to begin underwriting.
Can you help with hard-to-place product liability risks?
Yes, we have access to carriers that specialize in high-risk or unusual product lines, and we welcome challenging submissions.
Need help placing an account? Connect with a market specialist.