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Product Liability claims often involve complex interactions between coverage, breach of duty, causation and quantum. Establishing what happened, why it happened and whether the loss falls within the scope of cover is often fundamental to understanding insurer exposure.
Specialist Lines provides specialist investigation and management of complex Product Liability claims on behalf of insurers, reinsurers and captives. Our experience spans consumer products, food and beverage, pharmaceuticals, medical devices, industrial manufacturing, agricultural products and construction materials, including significant domestic and international losses with exposures exceeding US$100 million.
Coverage and liability issues often require detailed technical analysis, including questions surrounding bodily injury, property damage, policy exclusions, defective products, workmanship and recall exposures. Working alongside engineers, scientists, metallurgists, fire investigators and other technical experts, we establish the critical facts early and develop clear and proportionate claims strategies. By combining technical investigation, coverage expertise and commercial pragmatism, Specialist Lines helps insurers control defence costs, strengthen reserving accuracy and achieve better claims outcomes.