Independent commercial insurance · Round Rock & Austin, TXCall (512) 640-5989
    Travis Ridge Insurance Group
    Packaged products on warehouse shelving ready for distribution

    Manufacturers • Importers • Distributors • Retailers

    Products Liability Insurance

    Every product you put into the market carries your name. Protect your business if a product is alleged to have caused injury or damage.

    Start Online Application (512) 640-5989

    Coverage built around the products you sell

    Products liability

    Protection when a product you make, import, distribute or sell is alleged to have caused bodily injury or property damage.

    Completed operations

    Coverage for claims arising after your installation, repair or service work is finished, subject to policy terms.

    Supplier & import review

    We review foreign sourcing, private labeling, supplier certificates and recall procedures that underwriters look at closely.

    Coverage depends on underwriting, the products scheduled on your policy, exclusions and policy terms. Only products listed on your application are considered for coverage.

    Built for businesses that sell products

    • Manufacturers and private-label brands
    • Importers of foreign-made products
    • Wholesalers and distributors
    • Retailers and e-commerce sellers

    Have product brochures, labels and instructions ready — underwriters ask for them with the application.

    Products Liability Application

    Tell us about your products, gross receipts, sourcing, quality control and claim history. Our commercial lines team reviews your application and follows up on any additional information needed.

    Start Online Application

    Underwriting typically takes 3–10 business days after we receive a complete application and requested documents.

    Our Proprietary Process

    The Premium Negotiation Strategy

    You're not handing off your renewal. You're running it — with an expert in your corner.

    1. 1

      Step 1 — We Start Early So You're Never Rushed (120+ Days Out)

      We reach out 120+ days before your renewal so you're never in a position where you have to make a rushed decision. You'll know exactly what's coming, when it's coming, and what your options are — long before your current policy expires.

    2. 2

      Step 2 — We Call the Carriers So You Know Where You Stand

      We go directly to the underwriters on your account and gather real market intel — appetite, pricing direction, renewal outlook. We bring that information back to you in plain language so you understand exactly where the market is before any decision is made.

    3. 3

      Step 3 — We Build Your Strategy Together

      We don't build the negotiation strategy in a vacuum. We sit down with you, walk you through what we learned from the carriers, and build the game plan together — your leverage points, your priorities, your timeline. You sign off before we go to market.

    4. 4

      Step 4 — You See Every Move Before We Make It

      Before we approach any carrier, you know exactly what we're asking for, why we're asking for it, and what we expect to get. No surprises. No decisions made without you. You're in control of the strategy at every stage.

    5. 5

      Step 5 — We Negotiate. You Decide.

      We execute the negotiation using the strategy we built together — pushing on terms, credits, and rating tiers on your behalf. When the offers come back, we lay them out side by side in plain language and you make the final call. No pressure. No confusion. Just a clear decision with full information.

    Start My Renewal StrategySee the Full Process

    Products liability questions

    Do I need products liability if I only resell?

    Often, yes. Sellers and distributors can be named in claims along with the manufacturer, especially when the maker is overseas or uninsured.

    Does submitting an application bind coverage?

    No. Coverage begins only after underwriting approval and confirmation that a policy has been bound.

    Start My Renewal Strategy

    Related reading

    General Liability vs. Products Liability: What Texas Manufacturers Need to Know