Industry

An unfolded multi-tool fans out a gear, key, quill, lens and spoon.

Is a product-liability question the same as a general-liability question?

NAIC discusses injury involving a sold product in its general-liability overview, while SBA lists product liability as a separate category for businesses that make or sell products. The category labels do not determine how a policy handles a claim.

Ask separately how product-related claims are addressed and whether product-liability terms or another form apply; ask which general-liability terms address premises or ongoing work. Check the actual wording for the activities you described.1,2

Read the Unspecified Insurance Buying Guide

Sources

4 documents, numbered as cited.

Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and jurisdiction-specific requirements determine what applies to a particular business.

Updated 2026-09-28. Editorial Policy

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