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 Products Liability Classes

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.

  • Commercial General Liability
  • ISO Occurrence and Claims-Made coverage forms (retroactive date continuity provided)
  • Coverage tailored for unique exposures
  • Split deductibles available
  • Up to $5M capacity (Excess limits available)
  • Deductible will be $2,500, unless tailored to an individual risk
  • Minimum Premium: $2,500


You can get Products Liability insurance 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
  • 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
  • Website information
Send a Submission
Printable Products Liability Information
View our Appetite Guide
Become Appointed

Our Commercial Lines Team

Kyle Flynn, Division Manager
(804) 774-2102
Austin Cheatham, Associate Underwriter
(804) 774-2105
Chris Hinchcliff, Associate Underwriter
(804) 774-2114