The typical stack
- Product liability
- GL and property, including stock and transit
- Tech E&O and cyber (device and cloud security)
- Recall cover where available
- D&O and EPLI
What triggers the purchase
- First production run and retail distribution
- Device security incidents
- Retailer and distributor certificates
What your customers require
Retail and distribution channels require product liability certificates and additional insured endorsements as a condition of shelf space and listings.
Programmes that write this segment
Cyber MGA with Tech E&O and management lines. Access via our wholesale partners.
Specialty carrier, affirmative AI wording. Access via our wholesale partners.
Not sure where you fit? Take the coverage quiz and we will map the stack from your answers.
Frequently asked questions
Do we need product recall cover?
If a defect could require pulling units from customers, recall expense cover is worth pricing. It is separate from product liability, which covers injury and damage claims, not the recall itself.
Talk through your stack before you sign the next contract
Send us the term sheet, the customer MSA, or the renewal you are worried about. We will tell you plainly what it requires, what your current programme does about it, and what we would place differently.