Embroker vs WithCoverage 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.

WithCoverage is a broker, not an insurer; it reviews product liability exposure as part of a consumer-brand insurance-program audit and can place or transition the coverage on a client's behalf. ^8,10Company-reported. Consumer industry page hero and FAQ; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations.

Not described in the reviewed sources.

The reviewed pages do not name which insurer or insurers WithCoverage places product liability coverage with. ⁸Not found in reviewed sources. Consumer industry page as read on 2026-09-23.

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.

WithCoverage's risk-advisors page describes a team member who stewards CPG and manufacturing accounts, negotiating directly with carriers, indicating product liability work is concentrated in consumer-packaged-goods and manufacturing clients. ⁹Company-reported. Risk-advisors Oscar spotlight.

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.

Product liability is explicitly named in both the consumer page's hero and its itemized program-audit scope, one of the few lines confirmed consistently in both places on that page. ⁸Company-reported. Consumer industry page hero and FAQ.

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.

Not described in the reviewed sources.

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.

WithCoverage offers a no-cost program audit that includes product liability without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. ⁸Company-reported. Consumer page FAQ.