Product Liability

Product defects can have serious consequences. We clarify liability issues and safeguard claims for product liability insurance cover.

How we support you

Liability and recalls

If there is a suspicion of a (potentially) damaging product defect, we provide comprehensive advice to producers and retailers. Our services include

  • advice on the obligation to recall
  • communication with authorities, business partners and consumers
  • investigation of the facts in cooperation with experts
  • in-cort and out-of-court representation in product liability disputes
  • safeguarding and enforcing recourse claims against suppliers
  • advising and representing decision-makers in criminal investigations in cases of suspected non-compliance with product safety requirements 

Insurance

We advise on all aspects of product liability insurance and recall cost insurance – from the drafting of insurance policies to claims settlement.

In the event of a claim, disputes with the insurer may arise. A common objection brought forward by German insurers with regard to product liability is that the defective product was not sufficiently tested before it was placed on the market (the so called "Erprobungsklausel"-exclusion). This objection can often be refuted.

In the event of a dispute, we support insured companies and their brokers in

  • fulfilling obligations to maintain insurance cover
  • assessing insurance contract clauses (exclusions, obligations, causality, etc.)
  • asserting insurance claims – if necessary in litigation before German courts
What we achieve for you
  • Clarity for all parties involved in product liability issues (who is liable to whom within the value chain?)
  • Conflict resolution in disputes between suppliers and customers
  • Successful defence against unjustified product liability claims
  • Successful enforcement of insurance cover claims under product liability and recall cost insurances

"Wilhelm can handle large and complex claims including the technical details."

Client quote, Chambers Europe Guide

Case closed:
Cover for a US product liability case

The loss

Our client, a multinational company from the pharmaceutical/chemical industry, faced allegations in connection with a product distributed in the United States. Thousands of allegedly harmed consumers filed class action lawsuits in the USA worth millions.

Complex situation

The company needed clarity on the extent to which the local US cover and the international master policy would cover the potential loss. Numerous questions had to be clarified, including the effects of a serial claims clause, the client's obligations as policyholder and the interaction of the product liability cover with other ongoing liability lawsuits against third parties.

The result

Our team was able to show the client a roadmap for successful further claims settlement and thus support the company in safeguarding coverage claims and avoiding errors in the coordination of liability proceedings.