Who Needs Product Liability Insurance?
Businesses that design, make, import, distribute, or sell products face product-claim exposure and should assess coverage.
A product claim can reach a retailer, distributor, brand owner, component maker, or factory—not only the company that made the finished item. Your role and contracts may also trigger marketplace or customer insurance requirements.
Map each product’s design, import, labeling, distribution, and sales roles. Check CGL completed-operations terms, limits, exclusions, additional-insured requests, and separate recall needs.
