List of Product Liability Insurance Companies in Canada

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Products sold in Canada must comply with national product safety standards, labeling, and certification requirements. That said, unforeseen manufacturing and design defects can render your products unsafe and non-compliant – which in turn can result in injury or property damage.

Should the worst happen, product liability insurance can serve as a last line of defense as it can cover costs (at least in part) arising from claims or legal fees.

In this guide, we list some of Canada’s leading product liability insurance companies, brokers, and agencies – that can help protect your business.

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Is product liability insurance required in Canada?

Product liability insurance is generally optional for importers and manufacturers. However, Amazon and retailers often require that certain suppliers (e.g. importers and brands) and third-party sellers (in the case of Amazon) buy product liability insurance policies.

Product Liability Insurance Companies

An insurance company provides different types of insurance coverages, including product liability insurance, professional liability insurance, and others. The company issues insurance policies that help you hedge against the risk of financial losses.

Meanwhile, brokers and agencies do not issue insurance policies. They sell policies issued by the insurance companies and provide additional services such as client representatives and risk assessments.

AIG Canada

AIG Canada is a global insurance company with operations in more than 80 countries. The company has been providing insurance solutions for over 50 years, including product liability insurance, management liability insurance, and professional liability insurance.

The company provides product liability insurance for manufacturers, distributors, wholesalers, and importers. The insurance covers buffer layer coverage, discontinued product liability coverage, primary product liability coverage, and more.

Product Categories

  • Furniture
  • Paper goods
  • Chemicals
  • Swimming pool equipment

Insurance Scope

  • Primary product liability coverage
  • Buffer layer coverage
  • Discontinued product liability coverage
  • Incurred But Not Reported (IBNR) policy coverage

Address: 2000 McGill College Avenue, Suite 920, Montreal, Quebec, H3A 3H3, Canada

Canada Product Liability Insurance

Product Liability Insurance Brokers

An insurance broker does not issue its own insurance policies. Instead, it represents the client when purchasing a policy from an insurance company. Brokers can help you to identify suitable policies from a large array of offers and provide consultation based on your business type.

Also, brokers can provide additional services such as cost evaluation, claim management, and risk assessment. Their main difference from an insurance agency is that agencies tend to work with a limited number of insurance companies, sometimes even only one.

Hubbard Insurance Group

Hubbard Insurance Group was founded in 1987 as an insurance brokerage business. The company has dedicated insurance advisors to assist their clients from getting a quote to filing a claim. It provides services for a wide range of insurance products including product liability insurance, commercial insurance, and personal insurance.

Hubbard Insurance Group can help you to review your contractual obligations thus identifying the right product liability coverage for you. The company can also review your products and their safety requirements in order to minimize risks.

Product Categories

  • Electronic products
  • Health-related products
  • General consumer products
  • Pharmaceutical products

Insurance Scope

  • Compensatory damages coverage
  • Economic damages coverage
  • Punitive damages coverage
  • Medical costs coverage
  • Legal costs coverage

Address: 55 Superior Blvd. Unit #200, Mississauga, ON L5T 2X9, Canada

KASE Insurance

KASE Insurance was established in 2016 providing insurance and risk services to manufacturers, contractors, and product sellers. The company offers a wide range of services including product liability insurance, landlord insurance, and life insurance.

KASE Insurance provides specific advisory services based on the arrangements between you and the insurance provider. If you are still looking for a product liability insurance provider, KASE can also help you identify suitable coverages depending on your business type.

Product Categories

  • Clothing
  • Toys
  • Foods
  • Furniture
  • Pet products
  • Home and kitchen appliance

Insurance Scope

  • Physical injuries coverage
  • Damage to properties coverage
  • Medical expenses coverage
  • Income losses coverage
  • Legal fees coverage

Address: 145 Front St E Suite 207, Toronto, ON M5A 1E3, Canada

Rogers Insurance

Rogers Insurance was founded in 1977 as a small insurance brokerage firm in Calgary. The company has received several recognitions, including one from Alberta’s Top Employers. The company provides product liability insurance, home insurance, mortgage insurance, and more.

Rogers Insurance offers free product liability insurance quotes and consultations. You can request a quote online or consultation via phone. The company has insurance expertise to help you determine your needs, mitigate the risks, and advocate in the event of a claim.

Insurance Scope

  • Legal expenses coverage
  • Settlement costs coverage
  • Injury damage costs coverage
  • Property damage costs coverage

Address: 800-1331 Macleod Trail SE Calgary, AB T2G 0K3, Canada

Firstbrook Cassie & Anderson

Firstbrook Cassie & Anderson (FCA) has been providing companies with insurance services since 1919. FCA is an independent Canadian insurance brokerage firm that is also a member of many industry associations, such as NASBP, RIBO, IBAO, and ECAO. FCA offers product liability insurance, cyber security insurance, and international insurance.

FCA can help you to obtain product liability insurance quotes based on your business type. The company claims that they have developed their own industry standards to help you quickly understand the risks related to your products. Also, the company can guide you to find the coverage limit that works best for your business.

Insurance Scope

  • Manufacturing defects coverage
  • Design flaws coverage
  • Improper marketing coverage

Address: 1867 Yonge St., Suite 300, Toronto, ON, M4S 1Y5, Canada

Axis Insurance Group

Axis Insurance Group is a British Columbia-based insurance brokerage firm formed in 2017. They provide risk management and services for a wide range of insurance services, including product liability insurance, and general liability insurance.

Axis Insurance Group has a specialized team that can walk you through the different insurance option, such as product recalls coverage or legal costs coverrage. The company can also review your existing insurance policy, provide feedback for supply chain operations, and even handle the claim process for you.

Product Categories

  • Electronic products
  • Pharmaceutical products
  • General consumer goods
  • Consumer components

Insurance Scope

  • Compensatory damages coverage
  • Medical costs coverage
  • Legal costs coverage
  • Product recalls coverage

Address: #400 – 555 Burrard St. Box 275, Vancouver – Bentall Two, BC, V7X 1M8, Canada

Regal Insurance Brokers

Regal Insurance Brokers was founded in 1984, as a family-operated brokerage in the Waterloo Region. The company provides services to meet the needs of many different types of companies. Their services cover product liability insurance, property insurance, travel insurance, and others.

Regal Insurance Brokers can help you to identify the right product liability insurance coverage for your business. You can also get a free product liability insurance quote on their website.

Product Categories

  • Foods
  • Beverages
  • Supplements
  • Machinery equipment
  • Computer software

Insurance Scope

  • Personal injuries coverage
  • Illness caused by food, beverages, or vitamins coverage
  • Damage caused by software coverage

Address: 2-428 Gage Ave, Kitchener, ON, N2M 5C9, Canada

​​Fuse Insurance

Fuse Insurance is a digital commercial insurance brokerage in Canada. Their clients can obtain quotes, and buy and manage insurance programs via their platform. Fuse is also a member of many organizations including IBAA, PYIB, and CFIB.

Fuse Insurance can help determine your product liability insurance needs based on your product type. You can fill out their online quotation form to get in touch with their team, which can help you to select suitable coverage plans.

Insurance Scope

  • Risky product coverage
  • Incorrect labeling coverage
  • Quality control coverage
  • Product recall coverage
  • Warehouse coverage

Address: Suite 1800, 330 5th Ave SW, Calgary, AB, T2P 0L4, Canada

Product Liability Insurance Agencies

An insurance agency is authorized by one or more insurance companies to market and sells their policies. Agencies can help you collect suitable insurance coverages from their partners. Sometimes, they also offer risk management and other additional services.

Unlike insurance brokers, agencies offer insurance policies from a limited number of insurance companies.

Reliance Insurance Agencies

Reliance Insurance Agencies offers specialized support in most lines of insurance, including product liability insurance, home insurance, and life insurance. Reliance is also a member of several insurance associations such as WING, BCFPA, CIFF, and the Insurance Council of BC.

The company can help you to identify the potential risks of your product, obtain a full coverage insurance plan, or tailor a package to suit your needs. It can also help reduce product liability claims by providing advice on risk management.

Insurance Scope

  • Bodily injuries coverage
  • Property damages coverage
  • Legal fees coverage
  • Product recalls coverage

Address: 4853 Hastings Street, Burnaby, BC V5C 2L1, Canada

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    We Help Brands & Importers With Product Compliance (US & EU)

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    • Lab Testing


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