Choice Insurance Agency
Product Liability Insurance in Massachusetts
Offering customized insurance solutions in Massachusetts and beyond.
When you run a business in Massachusetts, every product you create, sell, or distribute carries some degree of risk. Even with the most careful quality checks, unforeseen accidents or defects can lead to lawsuits, medical bills, and reputational harm. Product Liability Insurance provides a layer of financial protection, helping safeguard your company from claims connected to products you make, sell, or supply. At Choice Insurance, we understand the challenges of doing business in Massachusetts and offer coverage options tailored to your needs.
What Is Product Liability Insurance and Why Does It Matter?
Product Liability Insurance is designed to protect businesses against claims that a product they made, sold, or distributed caused harm. This harm could be due to a design defect, a manufacturing error, or even improper labeling. Without this coverage, one lawsuit could drain company resources, stall growth, or even threaten closure.
For businesses in Massachusetts, this coverage is especially important. The state has strict consumer protection standards, and customers are empowered to hold businesses accountable. Whether you run a small shop in Worcester or a manufacturing facility in Springfield, Product Liability Insurance may include protection for legal defense, settlements, and judgments, giving you peace of mind and financial resilience.
Quotes Available in Massachusetts & Other States
Words from our Clients
Gained a customer for life.
Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.
Great people, great insurance, great advice, great price.
Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.
I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.
I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.
How Does Product Liability Insurance Protect Businesses?
Running a business means facing risks you can’t always anticipate. In Massachusetts, where industries like manufacturing, retail, and technology thrive, even a small product oversight can lead to costly claims. For example, if a consumer experiences an allergic reaction due to missing ingredient information or if a tool malfunctions and causes injury, you may be held liable.
Product Liability Insurance steps in by covering costs such as legal fees, settlements, or court-ordered damages. It may also extend to medical expenses for injured parties. This protection isn’t just about financial survival—it helps keep your business operations running smoothly and shows customers you take responsibility seriously. For many Massachusetts businesses, it’s not just recommended coverage, but a cornerstone of responsible business management.
Who Needs Product Liability Insurance in Massachusetts?
Any business involved in making, selling, or distributing products in Massachusetts should strongly consider Product Liability Insurance. That includes:
- Manufacturers producing goods in-state or importing them.
- Retailers selling consumer goods online or in physical stores.
- Wholesalers or distributors supplying products to retailers.
- Food and beverage businesses, from craft breweries to local bakeries.
Even if you don’t physically manufacture a product, you may still be held responsible if something goes wrong. Massachusetts law often places liability on the entire supply chain. That means a small boutique in Boston selling handmade candles could face similar risks to a large-scale manufacturer in Lowell. Having insurance in place helps level the playing field and provides stability no matter your size.
What Types of Risks Can Product Liability Insurance Cover?
Every product carries a unique set of risks. Product Liability Insurance in Massachusetts may include coverage for:
- Design defects – Flaws in the product’s original design that make it unsafe.
- Manufacturing defects – Errors during production that cause harm.
- Labeling and warning issues – Inadequate instructions, missing warnings, or improper safety labels.
- Breach of warranty – Claims that a product failed to perform as advertised.
For example, imagine a kitchen appliance overheating and causing property damage, or a cosmetic product leading to skin irritation. These claims can be complex and expensive. Insurance helps absorb the financial shock and gives you access to legal resources that can help resolve disputes faster and more fairly.
How Much Does Product Liability Insurance Cost in Massachusetts?
The cost of Product Liability Insurance in Massachusetts depends on several factors. Premiums may vary based on:
- The type of products you sell.
- The size and revenue of your business.
- The distribution channels you use (local, national, or international).
- Your claims history and risk management practices.
A small business selling handmade goods at a farmers’ market may pay less than a company manufacturing industrial equipment. At Choice Insurance, we work with you to understand your unique operations and risks, tailoring coverage that fits your budget while still protecting your business. A short conversation with one of our specialists can help clarify your options and provide an estimate tailored to your situation.
Why Choose Choice Insurance for Massachusetts Product Liability Coverage?
At Choice Insurance, we know Massachusetts businesses inside and out. We’ve helped companies across industries—from retail startups in Cambridge to established manufacturers in Worcester—find protection that fits. Our approach is built on three pillars:
- Personalized guidance – We take time to understand your products, risks, and goals.
- Flexible coverage options – Policies that may include a range of protections, from liability claims to defense costs.
- Local expertise – Our team is based in Massachusetts, so we’re familiar with state-specific regulations and industry practices.
When you partner with Choice Insurance, you’re not just buying a policy—you’re gaining a long-term ally committed to your success.
How Can Your Business Get Started with Choice Insurance?
No matter the size or type of your business, Product Liability Insurance is a smart investment in your company’s future. From design defects to labeling errors, unforeseen issues can arise at any point in the product cycle. With Choice Insurance by your side, you’ll have the coverage, guidance, and confidence to keep moving forward.
Getting Product Liability Insurance doesn’t need to be complicated. At Choice Insurance, the process is simple:
- Consultation – We’ll discuss your business model, products, and risk profile.
- Customized quote – Based on your needs, we’ll design a plan with flexible options.
- Ongoing support – As your business evolves, we’ll help adjust your coverage so you stay protected.
You can start today with a quick online inquiry. Protect your products, your reputation, and your bottom line with a policy designed specifically for Massachusetts businesses.
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