The 60-second version
Product liability covers bodily injury or property damage from defective product — essential for FMCG, electronics, and Amazon/Flipkart sellers after return. I set SI ₹50 lakh–₹5 crore based on turnover.
Product liability is defect cover — not public liability premises
Product liability responds when your product causes injury or damage — separate from shop public liability and fire policy.
E-commerce marketplace may require minimum SI — bind before listing SKU.
Premises lane: public liability guide.
Liability cover comparison
| Policy | Trigger | Who |
|---|---|---|
| Product liability | Defective product harm | Manufacturer / importer |
| Public liability | Premises accident | Shop owner |
| Professional indemnity | Bad advice | Consultant |
| Fire | Fire damage | Property |
Product liability setup
Product list
SKU categories and risk class.
SI selection
₹50L–₹5Cr by turnover.
Recall clause
Optional product recall sub-limit.
Bind policy
Certificate for marketplace.
Cover flow
PL policy kit
- Product list.
- Turnover.
- SI choice.
- Marketplace cert.
- Claim hotline.
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Import resale
Importer is deemed manufacturer for liability — insure even if not factory owner.
Quick visual
Animated decision map
Community signal
What to watch in real discussions
Search community threads for the exact phrase, then treat repeated complaints as risk signals rather than official advice.
Open nofollow community search ->Interactive checkpoint
Turn this guide into a decision file
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Amazon seller?
Marketplace may mandate PL — bind before FBA inbound.
Food products?
Pair with FSSAI licence — PL covers injury not licence.
Export only?
Indian PL for India sales — separate export policy abroad.
Recall costs?
Add recall sub-limit rider.
D2C website?
PL covers consumer claims from online sales.
vs PI?
PI is professional advice; PL is physical product harm.
The plan is only as good as the sequence.
Tax, banking, schools, shipping — they all have dependencies. A wrong order costs months and lakhs. Get it right.