Product Liability Insurance in Massachusetts

When you're looking for Product Liability Insurance in Massachusetts or New Hampshire, it's important to have options so you can ensure you get the right plan to meet your needs at the best possible rate.

Find the coverage you need

When you create, distribute, or sell products, even the best safety measures can’t eliminate every risk. One accident, defect, or misunderstanding can spark a costly claim. That’s where Fitts Insurance comes in. Our team helps Massachusetts businesses safeguard their financial future with Product Liability Insurance that’s designed to meet your specific needs.

Below, you’ll find answers to common questions about this essential coverage and how it can protect your business in Massachusetts.

Product Liability Insurance Massachusetts

What Is Product Liability Insurance?

Product Liability Insurance is a specialized form of business insurance that helps protect companies from financial loss if their product causes harm. Claims may arise from manufacturing defects, design flaws, misleading instructions, or even improper labeling.

For businesses in Massachusetts, this type of protection is especially important. The state’s consumer protection laws allow injured customers to seek compensation from any business involved in the product’s journey—from manufacturer to retailer. That means even if you didn’t make the product, you could still be held responsible.

Without proper coverage, legal defense costs, settlements, or judgments could overwhelm your business. With Fitts Insurance, you’ll have a partner who understands Massachusetts’s liability landscape and can guide you toward a policy that reduces your exposure.

Who Needs Product Liability Insurance?

If your business touches a product in any way, you likely need this coverage. That includes manufacturers, wholesalers, distributors, retailers, and even e-commerce sellers.

  • Manufacturers may face claims for defective materials, unsafe design, or quality control issues.
  • Retailers can be named in lawsuits simply because they sold the product—even if they had no role in its creation.
  • Wholesalers and distributors may be targeted when they supply a faulty product to another business.
  • Online sellers are increasingly facing product claims as e-commerce expands.

Massachusetts’s courts do not hesitate to hold multiple parties accountable, so even small shops or startups aren’t immune. By working with Fitts Insurance, you gain coverage tailored to your role in the supply chain, helping you operate with confidence.

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  • What Risks Does Product Liability Insurance Help Cover?

    Every business is different, but common risks that Product Liability Insurance may include are:

    • Bodily injury: If a consumer is hurt using your product, coverage may help with medical expenses, settlements, or legal fees.
    • Property damage: If a product malfunctions and damages someone’s belongings, insurance can cover the cost of repairs or replacement.
    • Design or manufacturing defects: Even rigorous testing can’t eliminate every possible flaw. Insurance helps address claims of unsafe design or errors in production.
    • Inadequate warnings or instructions: If your product instructions or warnings aren’t clear, and that leads to an accident, your business could face liability.
    • Legal defense costs: Hiring attorneys, expert witnesses, and navigating court proceedings can add up quickly—coverage helps offset those expenses.

     

    At Fitts Insurance, we review your operations, products, and distribution methods to make sure you’re protected against the scenarios most relevant to your business.

  • How Does Product Liability Insurance Support Massachusetts Businesses Long-Term?

    A single lawsuit can drain financial resources, damage your reputation, and threaten your company’s survival. With Product Liability Insurance in place, you have a safeguard that supports long-term business stability.

    In Massachusetts’s competitive marketplace, customers want to trust the products they buy. By carrying adequate liability coverage, you’re not just protecting your balance sheet—you’re also signaling to clients, partners, and suppliers that you take responsibility seriously. That kind of credibility can make a difference when pursuing contracts or expanding your distribution network.

    Fitts Insurance goes beyond just writing a policy. We serve as advisors, helping you anticipate risks, keep your coverage current, and adjust as your business evolves.

  • What Makes Massachusetts Product Liability Insurance Through Fitts Insurance Different?

    Plenty of carriers offer product liability coverage, but Fitts Insurance brings a personal, local approach. We’ve served Massachusetts businesses for decades, so we understand the state’s regulatory climate and unique industry mix. Whether you run a small craft brewery in West Newbury, a boutique retailer in Springfield, or a large manufacturing operation near Boston, we have experience tailoring policies for businesses like yours.

    Unlike generic one-size-fits-all coverage, we take time to learn your products, distribution channels, and growth goals. That means you’ll have a policy that not only checks the boxes but also reflects how your business really operates. Our team is always just a phone call away for questions, updates, or claims support.

  • How Affordable Is Product Liability Insurance in Massachusetts?

    Cost varies depending on your industry, product type, sales volume, and claims history. A startup selling handmade soaps online will face a different rate than a manufacturer of complex industrial machinery. The good news is that Product Liability Insurance is often more affordable than businesses expect—especially when you consider the alternative of paying legal costs out of pocket.

    At Fitts Insurance, we shop across multiple trusted carriers to find you competitive pricing without cutting corners on coverage. We’ll explain your options clearly, so you can balance cost and protection in a way that makes sense for your budget.

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How Can You Get Started with Fitts Insurance Today?

Protecting your business doesn’t have to be complicated. Getting started with Fitts Insurance is simple:

  1. Reach out through our website.
  2. Tell us about your business—your products, operations, and growth plans.
  3. Receive tailored options designed for your specific risks and industry.
  4. Choose your policy with confidence, knowing you have experienced advisors on your side.

Our goal is to make the process clear, efficient, and reassuring, so you can focus on running your business while we handle the details of your protection.

Your products are the heart of your business, but they also come with responsibility. With Product Liability Insurance through Fitts Insurance, you can safeguard your operations, reputation, and peace of mind. Whether you’re a small Massachusetts startup or a well-established company, our team is here to help you find coverage that fits.

Contact us today to learn how we can protect what you’ve worked so hard to build.

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