Home & Office Products

Product liability

Generally responds to claims that a household or office product malfunctioned, hurt a user or damaged property, for example by starting a fire.

Can include injury to people, damage to property and product defects

Product recall

May pay to retrieve and replace household or office products found defective or unsafe, and for the communications that follow.

Can include cost of recall, business interruption, cost of replacements and crisis response

Extended warranty

Extends protection beyond the maker’s warranty, typically covering repair or replacement when an appliance or device fails mechanically or electrically.

Can include mechanical or electrical breakdown, labor and parts, damage by accident and interim replacements

Product replacement

Can cover replacement or repair of a household or office item after accidental damage or a mechanical or electrical fault.

Can include damage by accident, mechanical faults, electrical faults and warranty extension

Cyber

Typically pays for forensic investigation, customer notification and legal defense after a breach of customer information.

Can include breach response, business interruption and security failure liability

These guides describe types of insurance in general. The right coverage depends on your operations and the terms of the policy issued. Pasaca’s featured lines are cyber insurance, directors and officers (D&O) liability insurance, product liability insurance and aviation insurance.