What Does Product Liability Insurance Cover?
Product-liability coverage may defend claims that a product caused bodily injury or damaged someone else’s property.
Product coverage may be part of CGL’s products-completed-operations section, with limits and exclusions set by the policy.
Check which products and entities are insured, the territory, limits, deductible, and exclusions. A defect alone does not establish coverage, and the policy generally does not pay to repair your own product or fund every recall.
Coverage Guides Related to Product Liability Insurance
Sources for Product Liability Insurance Answers
- Facts + Statistics: Product liability. Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. 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.