--- title: "Product Liability in Connecticut" description: "Connecticut measures a product claim from discovery of the harm but also sets a party-specific limit tied to when each seller gave up control." canonical: "https://spot.insure/coverage/product-liability/connecticut" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/product-liability/connecticut) # Product Liability in Connecticut Connecticut generally requires a product-liability claim within three years after injury, death, or property damage is first sustained or discovered, or reasonably should have been discovered. It also generally bars a claim against a particular party more than ten years after that party last parted with possession or control of the product. The statute includes exceptions for harm during a product’s useful safe life, longer written warranties, fraud or intentional misrepresentation, and asbestos exposure. The product-liability act also channels product claims against sellers and excludes commercial loss from its definition of harm.[^1][^2] **Coverage:** [Product liability](/coverage/product-liability) · [Connecticut](/coverage/states/connecticut) ## What Is Product Liability? Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property. If your business handles products, describe every role in the supply chain and ask how the quote treats product damage and recall costs. [Read the national Product liability guide](/coverage/product-liability). ## What to Watch for in Connecticut ### Track when harm and its cause became discoverable The three-year period runs from when injury, death, or property damage is first sustained or discovered, or when reasonable care should have led to its discovery. Preserve incident, diagnosis, and investigation timelines and ask counsel to assess the date for the specific claim.[^1] ### Track the possession date for each party The ten-year limit is measured separately from the date each party last parted with possession or control of the product. It has exceptions when the claimant proves the harm occurred during the product's useful safe life, when an express written warranty provides for use beyond ten years, and for intentional misrepresentation or fraudulent concealment that proximately caused the harm. Keep sale, delivery, return, repair, and warranty records rather than treating manufacture or first sale as the only relevant date.[^1] ### Separate bodily or property harm from commercial loss Connecticut's product-liability act is in lieu of other claims against product sellers for harm caused by a product. Between commercial parties, commercial loss caused by a product is not harm recoverable through a product-liability claim; the statute directs those claims to the Uniform Commercial Code. Share customer and supplier contracts with counsel and ask your broker how the policy treats product-related financial losses.[^2] ### Note the deadline for bringing in another responsible party A product seller may implead a third party who may be liable for all or part of the claim if the third-party complaint is served within one year after the original product-liability action is returned to court. Counsel should track this separate procedural deadline when the distribution chain includes other businesses.[^1] ## Who Regulates Insurance in Connecticut **Connecticut Insurance Department.** The Connecticut Insurance Department licenses insurance producers and companies, oversees insurers and regulated insurance activity, and investigates insurance complaints. Its complaint and license-search services let you raise an issue or check an insurance professional or company.[^3][^4][^5] - [Regulator website](https://portal.ct.gov/cid) - [License lookup](https://portal.ct.gov/cid/licensing) - [File a complaint](https://portal.ct.gov/cid/file-a-complaint) - Phone: (800) 203-3447 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 4% of gross premium when Connecticut is the home state When Connecticut is the insured’s home state, surplus-lines tax is 4% of gross premium; certain state and local government insureds are exempt, and broker or policy fees are not part of the premium-tax base. Connecticut’s required notice says these policies are outside the state guaranty association. Most placements require three declinations or an export-list qualification; an exempt commercial purchaser may qualify for the federal § 8205 search exception after disclosure and a written request.[^6][^7][^8] ## Providers With Documented State Licenses These providers publish a national listing for Product liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Connecticut; [check the regulator’s license lookup](https://portal.ct.gov/cid/licensing) and confirm state availability for your business when requesting a quote. - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^15] ## Questions to Ask Before You Buy in Connecticut 1. Which entities in our Connecticut supply chain last had possession or control of each product, and how do we document those dates? 2. How should we report a claim when discovery, notice, and the product's last sale or delivery happened in different policy years? 3. Which warranties, customer terms, and supplier contracts should the broker review for product-related commercial loss? ## Product Liability in Connecticut: FAQ ### How do Connecticut's three-year and ten-year periods differ? The three-year period is measured from when injury, death, or property damage is first sustained or discovered, or reasonably should have been discovered. The separate ten-year limit runs from when each party last parted with product possession or control, subject to statutory exceptions.[^1] ### Can a business recover product-related commercial loss under Connecticut's product-liability act? The act says commercial loss caused by a product is not harm recoverable by a commercial claimant through a product-liability claim; an action for that loss may be brought only under the Uniform Commercial Code.[^2] ## Product Liability in Other States - [Alabama](/coverage/product-liability/alabama) - [Alaska](/coverage/product-liability/alaska) - [Arizona](/coverage/product-liability/arizona) - [California](/coverage/product-liability/california) - [Colorado](/coverage/product-liability/colorado) - [Delaware](/coverage/product-liability/delaware) - [District of Columbia](/coverage/product-liability/district-of-columbia) - [Florida](/coverage/product-liability/florida) - [Georgia](/coverage/product-liability/georgia) - [Hawaii](/coverage/product-liability/hawaii) - [Idaho](/coverage/product-liability/idaho) - [Illinois](/coverage/product-liability/illinois) - [Indiana](/coverage/product-liability/indiana) - [Iowa](/coverage/product-liability/iowa) - [Kansas](/coverage/product-liability/kansas) - [Kentucky](/coverage/product-liability/kentucky) - [Louisiana](/coverage/product-liability/louisiana) - [Maine](/coverage/product-liability/maine) - [Maryland](/coverage/product-liability/maryland) - [Massachusetts](/coverage/product-liability/massachusetts) - [Michigan](/coverage/product-liability/michigan) - [Minnesota](/coverage/product-liability/minnesota) - [Missouri](/coverage/product-liability/missouri) - [Nebraska](/coverage/product-liability/nebraska) - [Nevada](/coverage/product-liability/nevada) - [New Hampshire](/coverage/product-liability/new-hampshire) - [New York](/coverage/product-liability/new-york) - [North Carolina](/coverage/product-liability/north-carolina) - [Ohio](/coverage/product-liability/ohio) [Other Coverage in Connecticut](/coverage/states/connecticut) ## Sources [^1]: [Connecticut General Statutes, Chapter 926, Statute of Limitations (2025)](https://prdext3.cga.ct.gov/2025/pub/chap_926.htm) — Connecticut General Assembly; § 52-577a(a)–(g), including three-year discovery period, party-specific ten-year possession/control limit, useful-safe-life, warranty, misrepresentation/concealment, asbestos, and third-party impleader rules. The official 2026 Supplement lists no update to this chapter and states it supplements statutes revised to January 1, 2025. The official 2026 Supplement page was checked and does not list § 52-577a as amended.. Accessed 2026-09-28. [^2]: [Connecticut General Statutes, Chapter 925, Statutory Rights of Action and Defenses (2025)](https://www.cga.ct.gov/2025/pub/chap_925.htm) — Connecticut General Assembly; § 52-572n(a)–(c), product-liability claim in lieu of other claims against sellers, no purchase privity required, commercial loss excluded and reserved to UCC Title 42a.. Accessed 2026-09-28. [^3]: [Connecticut Insurance Department](https://portal.ct.gov/cid) — Connecticut Insurance Department; Official Department homepage; mission and department resources. Accessed 2026-09-28. [^4]: [Licensing](https://portal.ct.gov/cid/licensing) — Connecticut Insurance Department; Department licensing resource landing page; links to state agent and company license lookup. Accessed 2026-09-28. [^5]: [Ask a Question or File a Complaint](https://portal.ct.gov/cid/file-a-complaint) — Connecticut Insurance Department; Online complaint form and consumer affairs helpline. Accessed 2026-09-28. [^6]: [FAQs: Surplus Lines Brokers](https://portal.ct.gov/cid/licensing/licensing-resource-library/faqs---surplus-lines-brokers) — Connecticut Insurance Department; Current tax rate, tax base and exemptions, diligent-search rules, guaranty-fund notice. Accessed 2026-09-28. [^7]: [FAQs: Surplus Lines Brokers](https://portal.ct.gov/cid/licensing/licensing-resource-library/faqs---surplus-lines-brokers) — Connecticut Insurance Department; Question on surplus-lines notice states Connecticut Insurance Guaranty Association does not cover these policies. Accessed 2026-09-28. [^8]: [15 U.S.C. § 8205: Streamlined application for commercial purchasers](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8205+edition%3Aprelim%29) — U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28. [^9]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^10]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^11]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^12]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^13]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^14]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^15]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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