Product Liability Insurance for Manufacturers: What Should You Check?
Manufacturers can obtain product-liability coverage for specified injury claims, subject to their listed products, operations, and limits.
Manufacturers may face claims about design, production, packaging, or warnings, including defects introduced by contract manufacturers. A CGL policy may include completed-operations coverage, but exclusions and limits still apply.
List product families, facilities, processes, components, and contract manufacturers in the application. Check insured entities, aggregates, product exclusions, territory, and any separate recall option.
Coverage Guides Related to Product Liability Insurance
Sources for Product Liability Insurance Answers
- Product liability, recall and contamination insurance. Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-25.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. Accessed 2026-09-25.
- Commercial General Liability Coverage Form. ISO Properties, Inc.; specimen hosted by Hiscox; Recall exclusion p.5; Supplementary Payments pp.8–9; Section III limits p.10; V.16 and V.21 p.15, warnings/instructions continue p.16. Accessed 2026-09-25.