Does General Liability Cover Defective Products?
Usually not the cost to replace the defective product itself; CGL may cover a separate covered injury or damage to other property.
Check the product definition, products-completed-operations limit, and recall exclusion. Tell the insurer whether you manufacture, import, label, distribute, or resell the product; those roles affect the quote.
Coverage Guides Related to General Liability Insurance
Sources for This Answer
- Commercial general liability insurance. Insurance Information Institute; What commercial general liability insurance covers; Coverage A, B and C; Additional liability coverages to consider. Accessed 2026-09-25.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; Workers Compensation; Commercial Property. Accessed 2026-09-25.
- Commercial General Liability Coverage Form, CG 00 01 12 07. ISO; specimen hosted by Hiscox; Coverage A I.A pp.1–5; Coverage B I.B pp.6–7; Who Is An Insured II pp.9–10; Limits III p.10; Conditions IV pp.10–12; Definitions V pp.12–16. Accessed 2026-09-25.