What Insurance Covers Product Injuries?
Product-liability coverage may cover third-party bodily injury caused by a product; replacing or recalling the product is separate.
Product-liability coverage, often within CGL, addresses that liability rather than warranty repair costs.
Check products-completed-operations terms, insured products, limits, exclusions, and separate recall protection. Damage to your own product is treated differently from injury to a customer.
Coverage Guides Related to Business Insurance
Sources for Business Insurance Answers
- Commercial general liability insurance. Insurance Information Institute; Coverage A: Bodily Injury and Property Damage Liability; Purchasing commercial general liability insurance; Directors and Officers liability. Accessed 2026-09-25.
- Product liability, recall and contamination insurance. Insurance Information Institute; Product liability; What could go wrong?; Covering the costs of a product recall. Accessed 2026-09-25.