Embroker vs Newfront Product Liability Insurance

Embroker sells product liability as a standalone policy, and says most companies instead add it as an endorsement to a general liability policy or bundle it into a Business Owners Policy, with only larger companies typically buying an independent policy. ⁴Company-reported. Product-page description and 'Tips for Saving' section; not a statement about the issuing insurer.

Newfront names product liability as one of the coverages its Casualty practice places, opening the practice page by saying it helps clients with "mitigating product liability and improving customer safety." Newfront brokers this coverage; it does not underwrite it. ⁹Company-reported. Casualty page opening description and Key Coverages list.

Not described in the reviewed sources.

The reviewed page does not name an insurer for product-liability placements; Newfront describes "strong carrier relationships" generally rather than a specific product-liability panel. ⁹Not found in reviewed sources. Checked the Casualty page for a named product-liability carrier; none was found.

Embroker markets the policy to businesses that manufacture, repair, distribute or sell products, saying manufacturers are most often held liable but sellers and repairers can also be named in claims. ⁴Company-reported. Product-page 'Who Is It For?' section; not a guarantee of coverage for a particular business.

Newfront says its Casualty practice, led by Frannie Epps, serves companies "of all sizes, ranging from start-ups to Fortune 10" across a broad span of industries, without a product-liability-specific size or revenue threshold. ⁹Company-reported. Casualty page leadership bio; a practice-wide eligibility statement, not product-liability-only.

Embroker lists coverage for bodily injury, property damage, illness and wrongful death claims arising from design defects, manufacturing defects, or warning/labeling defects in a product. ⁴Company-reported. Product-page 'What Does Product Liability Insurance Cover?' section; the issued policy and declarations control.

Embroker says the policy excludes employee injuries (covered by workers' compensation), third-party accidents on the policyholder's property (covered by general liability), product recall costs (which need a separate endorsement or product recall policy), and technology product claims (covered by tech E&O). ⁴Company-reported. Product-page What's Not Covered section, distinguishing product liability from general liability, product recall insurance and technology E&O.

The reviewed page lists product liability as a named coverage within casualty placement but does not describe the specific insuring agreement, occurrence versus claims-made trigger, or exclusions for that line; those terms come from the placed policy. ⁹Not found in reviewed sources. Casualty page as read on 2026-09-23; only a coverage-name listing was found for product liability specifically.

Embroker says pricing depends heavily on product risk category (for example, pharmaceuticals or firearms cost more than lower-risk goods), company size and revenue, and claims history; it does not publish standard policy limits. ⁴Company-reported. Product-page 'How Much Does Product Liability Insurance Cost?' section.

Published limits or retentions for product-liability coverage were not found on the reviewed page. ⁹Not publicly disclosed. Casualty page as read on 2026-09-23; limits are quote-specific for broker placements.

Not described in the reviewed sources.

Newfront says its Casualty team offers claims advocacy and integrated risk-control resources to help clients mitigate exposures and reduce claim frequency and cost, plus data-backed benchmarking, applied across the casualty lines it places, including product liability. ⁹Company-reported. Casualty page's Our Approach and Newfront Difference sections; not product-liability-exclusive service detail.

Embroker says applicants can get a product liability quote in under 10 minutes through its digital platform and choose their own deductibles and limits. ⁴Company-reported. Product-page 'Why Get It With Embroker?' section; no quote was requested during this research.

You engage Newfront for product-liability placement by requesting a consultation, which asks for your industry, company details and the service you need rather than issuing an instant quote. ¹⁰Company-reported. General consultation intake, not a product-liability-specific application path.