Now Taking Applications Throughout California

Share Article established, now taking applications for product liability insurance for manufacturers, importers, and distributors of almost any product you can imagine.

" really helps me to be on a first name-basis with my underwriters…I insure some VERY interesting products.." Julie Cobb Karubian, a site dedicated to providing Product Liability Insurance quotes for California based businesses, is finally live and running. The site is owned and managed by Brilliant Insurance Services, a specialty commercial insurance brokerage based in Woodland Hills, CA. Granted, the site is still in a very early stage, but the agents at Brilliant Insurance Services are ready for quoting.

California Product Liability Insurance quotes don’t have to be hard to obtain…,” says Julie Karubian, CFO of Brilliant Insurance Services "…these risks are fun to quote, seeing as each product I quote is different from the last..." Sure, how fun can insurance be? Apparently it can't get more interesting to Julie. "Whether or not the product is imported or made here in the U.S., this keeps me going - as I feel I am doing my part to keep the public as well as the interests of my clients protected". “We insure a considerable amount of Product liability insurance in California”, Julie remarks. According to Julie, the fact that the Port of Long Beach is a huge point of entry for products being imported into the country, makes the need for product liability insurance a local necessity. Her secret, product knowledge – most agents out there sell home & auto, or life & health, but only well trained and studied brokers can sell this sort of insurance product with confidence. Julie adds, “…it really helps me to be on a first name-basis with my underwriters…I insure some VERY interesting products”.

What is Product Liability? The simple answer is a commercial general liability policy contains a section of coverage, that if underwritten properly, provides coverage if a product - that is used properly and for its’ intended use - results in bodily injury and property damage. The policy would also provide defense costs for the policyholder.

Who needs Product Liability Insurance? Importers, distributors, and manufacturers all need to carry product liability. Insurance for importers in California is very common, as it is the main gateway for products shipped in from the East, mainly China. Likewise, insurance for distributors in California is also a necessity. Believe it or not, once someone puts their “label” on a product, they are considered to be the manufacturer by the insurance companies and are underwritten and insured as such. Hence, product liability insurance for manufacturers in California, including food products, is a necessity.

When a person or business owner begins his or her search for a cheap quote for product liability insurance, he or she would probably turn to the internet to start the research. The problem is that the worldwide web is huge and many customers don’t know where to turn to and what agencies write specific lines of coverage. For example, many insurance agencies say they do commercial insurance but really don’t know much about the intricacies of coverage, like “product recall”, “stock throughput”, and “food spoilage”.

After being in business for over 10 years and insuring several hundred of these types of accounts, Brilliant Insurance Services decided to make the search for this specialty line of insurance more readily available to the small to medium sized business owner, especially when importation and manufacturing of “products” is such a hot button issue in the revitalization of the economy right now. “So many insurance companies are hungry for this type of risk right now. We have seen considerable rate reductions. Furthermore, different carriers have different ways of pricing and our job is to get the best coverage we can at the best price” adds Julie. “Brilliant Insurance Services also takes the time to explain to our clients the differences in the myriad of Product Liability policies available such as an “Occurrence” Form policy versus a “Claims Made” policy. A client can make a much better decision as to which quote to purchase when they are properly informed by their broker”, Julie points out.

It is quite probable that in the near future, and the folks at Brilliant Insurance Services would be getting licenses to quote outside of California. For now, customers seeking Product Liability in California are encouraged to call for a quote or visit the site. The website itself will undergo a massive change in the next several months, which will make the “on-line” application and purchasing of a policy more of a simplified process.


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Julie Cobb Karubian
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