Does product liability insurance expose the person behind my brand?

Insurance policies themselves aren't typically pubLic records. But if a claim goes to litigation, the policy and its declarations page often become part of the court file. That page will show the named insured (your LLC) and possibly the certificate holder. Your personal name might appear if you're an additional insured or if there's a personal guarantee. So it's not the policy at formation, it's the lawsuit that can expose it.

Who is the policy issued to? If it's the LLC only, the declarations page usually just lists the LLC. The application might ask for owner info, but that's not public.

Underwriters almost always want to know who the principals are. That info goes in the underwriting file, not public records. But if there's a lawsuit and they seek discovery, your name could come out. The anonymity of an LLC is not a shield against discovery in litigation.

I looked into this for my own brand. The insurance broker said the policy is between the insurer and the LLC. No personal info on the COI. But they did require a personal guarantee for the premium financing. That guarantee is a contract, not public.

Personal guarantee on premium financing is different from liability coverage. The guarantee could be used to pierce the veil if you commingle assets. But just having insurance doesn't pierce anything.

Also, some states require insurance certificates to be filed with the secretary of state for certain licenses. Check your state's requirements. Wyoming doesn't require general liability filing for an LLC, but if you sell in other states, they might.

Short answer: no, not automatically. Long answer: it depends on how you structure it and whether you ever get sued.

What about the registered agent? They have your name. But that's not public either, unless someone subpoenas them.

Registered agent records are often discoverable in litigation. If someone sues the LLC and wants to know who's behind it, they can subpoena the registered agent. Anonymity is not absolute.

I think the OP is overthinking. Insurance is not a public record. The main exposure is if you get sued and your name comes out in discovery. But that's true of any business. If you want to sell products, you need insurance. The anonymity is secondary.

Check if your policy has a 'named insured' vs 'additional insured' distinction. If you're listed as an individual on the policy, that could be a problem. But typically the LLC is the named insured. Also, some insurers report to ISO databases, but that's not public.

One more thing: if you ever file a claim, the insurer might require you to sign an affidavit as a member. That affidavit could be attached to a court filing if the claim is disputed. So there's a paper trail.