product liability insurance

Is it the insurance for the product only.
Most likely only the manufactory or the importer need this insurance because they own the liability of the safety or potential problem of the product they product or imported.

The insurrance calculation is based on the type of product, e.g. Home Appliance, Toys, Textile, Hardgoods etc.
Meanwhile, the insurrance company will base on the additional quality requirement such as UL, ASTM, BS or some other international standard as well as the quality management system such as ISO 9000, ISO 14000 for the insurrance preimum calculation.

If the factory product single product catagory, it is very simple for purchase the insurance.Howvever, if it is a importer, it would be quite complicated to determine how much for the insurrance. So sometime it would be limited to several high risk product to have such insurrance.

Not many insurrance company provide such insurrance. You may further check with AON as they had provide such service.

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兩者都是用來決定你的保費
產品看的是它會帶來的風險
付運國看的是如出事時,會承受的賠償
兩者都是決定保費的因素