--- title: "Product Liability Insurance FAQ" description: "Answers about product liability insurance for injury and damage claims caused by products you make, import or sell." canonical: "https://spot.insure/insurance-faq/product-liability" page-type: "faq-topic" updated-at: "2026-09-25" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-faq/product-liability) # Product Liability Insurance FAQ Answers about product liability insurance for injury and damage claims caused by products you make, import or sell. ## Basics ### [What Is Product Liability Insurance?](https://spot.insure/insurance-faq/product-liability/what-is-product-liability-insurance) It protects manufacturers, distributors, and sellers against covered claims that their products injured someone or damaged property. ## What It Covers ### [Does General Liability Include Product Liability?](https://spot.insure/insurance-faq/product-liability/product-liability-does-general-liability-include-product-liability) CGL often includes products-completed-operations coverage, but product restrictions and limits may leave specific sellers exposed. ### [Does Product Liability Cover Amazon Sellers?](https://spot.insure/insurance-faq/product-liability/does-product-liability-cover-amazon-sellers) Possibly, if the policy insures your products and meets Amazon’s current requirements; platform documentation does not guarantee product coverage. ### [Does Product Liability Cover Defective Products?](https://spot.insure/insurance-faq/product-liability/does-product-liability-cover-defective-products) Potentially, for covered third-party injury or property damage caused by a defect; the product’s repair or replacement usually is not covered. ### [Does Product Liability Cover Design Defects?](https://spot.insure/insurance-faq/product-liability/does-product-liability-cover-design-defects) Potentially, for covered injury or property damage caused by an alleged design defect; redesign and recall costs are separate. ### [Does Product Liability Cover Ecommerce?](https://spot.insure/insurance-faq/product-liability/does-product-liability-cover-ecommerce) Online sales may be covered when the policy insures each product, entity, and distribution role. ### [Does Product Liability Cover Imported Products?](https://spot.insure/insurance-faq/product-liability/does-product-liability-cover-imported-products) Yes, if the policy covers the importing entity and products, and the claim fits its territory and terms. ### [Does Product Liability Cover Legal Fees?](https://spot.insure/insurance-faq/product-liability/does-product-liability-cover-legal-fees) Often, for defense of a covered CGL suit; pre-claim advice and regulatory responses may fall outside the duty to defend. ### [Does Product Liability Cover Manufacturing Defects?](https://spot.insure/insurance-faq/product-liability/does-product-liability-cover-manufacturing-defects) Potentially, for covered injury or property damage caused by a manufacturing flaw; fixing defective units is a separate cost. ### [Does Product Liability Cover Product Recall?](https://spot.insure/insurance-faq/product-liability/does-product-liability-cover-product-recall) Product-liability coverage may address customer injury claims; recall and withdrawal expenses usually require separate coverage. ### [Does Product Liability Cover Products Manufactured Overseas?](https://spot.insure/insurance-faq/product-liability/does-product-liability-cover-overseas-manufactured-products) An overseas-made product can be covered when the policy insures the product, importer, and relevant territory. ### [Does Product Liability Cover Warning Defects?](https://spot.insure/insurance-faq/product-liability/does-product-liability-cover-warning-defects) Product-liability coverage may defend a claim that an inadequate warning caused injury, subject to the policy’s wording. ### [What Does Product Liability Insurance Cover?](https://spot.insure/insurance-faq/product-liability/what-does-product-liability-insurance-cover) Product-liability coverage may defend claims that a product caused bodily injury or damaged someone else’s property. ## Who Needs It ### [Who Needs Product Liability Insurance?](https://spot.insure/insurance-faq/product-liability/who-needs-product-liability-insurance) Businesses that design, make, import, distribute, or sell products face product-claim exposure and should assess coverage. ## Comparisons ### [Product Liability vs. General Liability: What’s the Difference?](https://spot.insure/insurance-faq/product-liability/product-liability-insurance-vs-general-liability) Product-liability coverage addresses claims tied to products; CGL also covers premises and other third-party risks. ### [Product Liability vs. Product Recall Insurance: What’s the Difference?](https://spot.insure/insurance-faq/product-liability/product-liability-vs-product-recall-insurance) Product liability covers third-party injury or damage claims; product-recall coverage may pay the business’s own withdrawal and response costs. ## Cost ### [How Much Does Product Liability Insurance Cost?](https://spot.insure/insurance-faq/product-liability/product-liability-insurance-cost) There is no standard product-liability price; premiums depend on the products, operations, limits, and terms quoted. ## Buying Coverage ### [Product Liability Insurance for Amazon Sellers: What Should You Check?](https://spot.insure/insurance-faq/product-liability/product-liability-insurance-for-amazon-sellers) Product-liability insurance may cover listed products sold through Amazon, while Amazon separately sets proof-of-insurance requirements. ### [Product Liability Insurance for Ecommerce: What Should You Check?](https://spot.insure/insurance-faq/product-liability/product-liability-insurance-for-ecommerce) Ecommerce product coverage depends on the products, sales channels, business entities, and territories listed in the policy. ### [Product Liability Insurance for Manufacturers: What Should You Check?](https://spot.insure/insurance-faq/product-liability/product-liability-insurance-for-manufacturers) Manufacturers can obtain product-liability coverage for specified injury claims, subject to their listed products, operations, and limits. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-faq/product-liability.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)