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Product Liability Insurance
Protecting Oregon Manufacturers, Distributors, and Retailers from Product Claims
Product Liability Insurance
Protecting Oregon Manufacturers, Distributors, and Retailers from Product Claims
Or Get A Free QuoteWhy Oregon Businesses Need Product Liability Coverage
If your business manufactures, distributes, imports, or sells products, you face product liability exposure. A single product claim — bodily injury, property damage, or recall — can result in millions of dollars in liability. Standard general liability policies include some product coverage, but businesses with significant product exposure need dedicated product liability protection.
Gerald Ross Agency has been placing product liability insurance for Oregon businesses since 1935. We work with carriers who understand the specific product risks Oregon manufacturers, distributors, and retailers face.
Why Choose Gerald Ross Agency?
- Independent agency — we work for you
- Explore coverage options for your needs
- Local Oregon Coast insurance guidance
- Serving Oregon Coast since 1937
- Help comparing coverage and policy terms
- Personalized service and claims advocacy
Product Liability Insurance Coverages
A complete product liability program addresses the full lifecycle of your product — from manufacturing through distribution and sale.
Products Liability
Covers bodily injury and property damage claims arising from your products after they leave your control. This is the core product liability coverage — it responds when a customer or third party is injured or suffers property damage from your product.
Completed Operations Liability
Covers claims arising from work you have completed — installation, repair, or service. If a product you installed or repaired later causes injury or damage, completed operations coverage responds.
Product Recall Expense
Covers the cost of recalling a defective product — notification, retrieval, disposal, and replacement costs. Product recall can be extremely expensive; recall expense coverage is essential for food, beverage, and consumer product businesses.
Errors & Omissions for Products
Covers claims arising from errors in product design, labeling, or instructions. If your product causes harm because of a design defect or inadequate warning, E&O coverage responds.
Import Liability
If you import products from overseas manufacturers, you may be treated as the manufacturer under US product liability law. Import liability coverage is essential for Oregon businesses that import and sell foreign-made products.
Excess Product Liability
For businesses with high product liability exposure, excess product liability provides additional limits above your primary policy — protecting against catastrophic product claims.
Why Oregon Businesses Choose Gerald Ross Agency for Product Liability
Product Liability Expertise
We have been placing product liability insurance for Oregon businesses since 1935 — manufacturers, distributors, importers, and retailers. We understand the specific product risks Oregon businesses face.
Specialty Markets Access
Some product categories — food and beverage, cannabis, medical devices, firearms — require specialty markets. We have access to carriers who write these programs correctly.
Independent Agency — Multiple Carriers
As an independent agency, we compare product liability programs across multiple carriers to find the best combination of coverage and price for your business.
Oregon Coast and Statewide Service
We serve product businesses throughout Oregon — from the coast to the Willamette Valley. Oregon's food and beverage, cannabis, and outdoor products industries have specific product liability needs we understand well.
Product Liability Insurance — FAQ
Common questions from Oregon businesses about product liability insurance.
What is product liability insurance?
Do I need product liability insurance if I only distribute products?
How much does product liability insurance cost in Oregon?
What is the difference between product liability and general liability?
Still have questions? Contact our team for help.
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