Does General Liability Cover Products and Product Liability?
Often, for covered bodily injury or property damage caused by your product; CGL does not cover the cost of fixing or recalling the product itself.
CGL may cover a third-party claim for bodily injury or property damage caused by your product. It generally does not pay to repair, replace, inspect, or recall the product itself.
Tell the insurer what you make or sell, your role in the supply chain, and where you sell it. Check the products-completed-operations limit and exclusions; ask for product-recall coverage separately.
Related Coverage
Sources
- 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 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.
