• List of Product Liability Insurance Companies in Canada

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    Canada Product Liability Insurance

    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.

    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 policities.

    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, Canda

    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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    Disclaimer: The content on this website is provided for general information only. The content includes summaries written by our team members based on publicly available information about product safety standards, labeling, documentation, testing, processes, and other product compliance related topics. However, we don’t guarantee that we cover every single relevant regulation/standard/requirement, or that the information is free from errors, or covering every single scenario and exemption. We do make mistakes from time to time. We never provide legal advice of any sort.

    Changes/Updates: Product standards and substance restrictions are subject to frequent updates and changes. In addition, new regulations, standards, and/or requirements may also become effective at any time. We don’t update our articles whenever new standards/regulations/rules are added or changed. We recommend that you consult a lab testing company or other professional to get the latest information about mandatory standards/regulations in your market, country, or state. Lab testing companies generally stay up to date on new and updated standards and regulations.

    National/State-Level Standards/Regulations: Many articles don't cover all European national and US state standards, regulations, and requirements. We recommend that you consult a testing company or other professional to confirm all relevant (and current) national/state level standards and regulations.
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