Products Liability

Our underwriting team has a wealth of experience providing Products Liability solutions for difficult-to-insure businesses.

With Aspera, you and your clients will receive a customized underwriting process to deliver competitive solutions fast.

In most cases, we can turn around a quote to you within 24 hours!

Target Product Liability Classes

Manufacturers
Emphasis on most consumer, commercial, and industrial products, including:

  • Cannabis¬†
    • Dispensaries
    • Edibles/oil manufacturers
    • Growers
    • Hospitality businesses (bakeries, coffee/cannabis shops, conventions, et al.)
    • LRO properties
    • Processors
    • Rolling paper manufacturers
    • Security firms serving cannabis businesses
    • Vaporizers & other smoking devices/accessories
  • Consumer appliances and electronics
  • Firearms and ammunition, including handguns, rifles, military, law enforcement, replicas, and imports
  • Body armor and ballistic clothing
  • Machinery and equipment manufacturing
  • Food and beverage processors, including alcoholic beverages
  • Material handling, including conveyor systems
  • Recreational and extreme sports sporting equipment
  • Tobacco and e-cigarette manufacturers and importers
  • Toys, games, and clothing
    (Note: claims-made retroactive date continuity provided)

Other Opportunities

  • Discontinued products

Policy Structure

Policies are written through a non-admitted carrier with a Financial Strength Rating of A (Excellent) by A.M. Best.

Casualty

  • Commercial General Liability
  • ISO Occurrence and Claims-Made coverage forms (retroactive date continuity provided)
  • Coverage tailored for unique exposures
  • Split deductibles available
  • $1,000,000 / $2,000,000 / $2,000,000 capacity (Excess limits available)
  • Deductible will be $2,500, unless tailored to an individual risk
  • Minimum Premium: $2,500

Availability

You can get Product Liability coverage from us in these states:

Company Highlights

Here are a few services you can expect when working with us:

  • Quick responses and quotes, often within 24 hours
  • 12.5% commission on new and renewal commercial accounts
  • 24-hour policy issuance
  • Policies written through a non-admitted carrier with a financial strength rating of A (Excellent) by A.M. Best
Submission Requirements
  • ACORD Commercial Insurance Applications (125 and 126) with description of operations (signed by the insured when bound)
  • Supplemental Application, as appropriate (signed by the insured when bound)
  • Five Year currently valued company loss runs with a description provided for losses over $25,000
  • Internet website information
Send a Submission
Printable Products Liability Information

Our Commercial Lines Team

Kyle Flynn, Division Manager
(804) 774-2102
kyle.flynn@asperains.com
LeAn Hatch, Senior Underwriter
(804) 774-2108
lean.hatch@asperains.com