General and Product Liability

Shield your business from liability. Grow confidently.

General and Product Liability Insurance in Thailand: Mitigating Third-Party Risk

General and product liability insurance in Thailand is essential for manufacturers, distributors, contractors, and service providers that interact daily with customers, vendors, and the public. A single accident or defective product can trigger lawsuits, regulatory fines, and brand-damaging headlines. By securing broad, flexible coverage, companies convert unpredictable liabilities into a manageable cost of doing business.

Why Liability Exposures Are Rising in Thailand

Expanding consumer rights and stricter enforcement

Thai courts are awarding higher damages for bodily injury and property loss. Meanwhile, the Consumer Protection Board and industrial regulators now audit safety standards more frequently, so uncovered liabilities threaten both cash flow and operating licenses.

Global supply-chain pressure

Export clients and multinational retailers often require proof of high-limit general and product liability insurance in Thailand before signing contracts. Without adequate certificates, local suppliers risk losing valuable business opportunities.

Rapid urbanization elevates interaction risk

Dense work sites, crowded retail spaces, and complex logistics networks increase the likelihood of slips, trips, falls, or accidental property damage. Consequently, organizations must plan for incidents rather than hope to avoid them entirely.

Core Protections in a Comprehensive Liability Policy

Public liability – pays damages and legal defense costs when third-party bodily injury or property damage occurs on your premises or job site.
Product liability – responds when goods you manufacture, sell, or distribute cause harm after leaving your control.
Completed operations – covers claims arising from work you finish off-site once the project is handed over.
Tenant’s legal liability – reimburses landlords when leased premises suffer accidental damage attributable to the tenant.

Optional Extensions for Broader Coverage

Because every enterprise faces unique hazards, Lockton Wattana can add extensions covering:

Environmental impairment for sudden, accidental pollution events
Product recall expenses including notification, shipping, and disposal
Contractual liability that honors indemnity clauses with customers and vendors
Cyber-triggered bodily injury if faulty software or data compromises safety

All extensions fit seamlessly under one policy, ensuring no dangerous gaps.

How Lockton Wattana Optimizes General and Product Liability Insurance in Thailand

First, our casualty specialists benchmark your incident history against Thai and international peers. Next, we model worst-case scenarios—such as multi-plaintiff product suits or catastrophic work-site injuries—to set realistic limits and deductibles. After that, we leverage global insurer relationships to secure competitive premiums and multiyear rate stability. Finally, we deliver safety-culture workshops and claim-reporting training that reduce frequency and severity over time.