What Insurance Covers Product Injuries?

Product liability coverage, often within CGL is generally the coverage line to examine for third-party injury or property damage attributed to a product. The policy responds only when its insuring agreement, definitions, and covered-cause requirements are satisfied; the line name by itself does not establish that a loss qualifies. Product injury means alleged bodily harm caused by use of a product. Product liability coverage within or alongside CGL addresses liability rather than warranty repair costs.

Common exceptions include exclusions, sublimits, deductibles, and conditions specific to the insured property, claimant, or event. Different forms can treat closely related losses differently, so a quote summary or certificate is not enough to establish the complete terms. The policy and endorsements control.

For this exposure, check products-completed-operations terms, exclusions, limits, and separate recall protection. Ask the broker to point to the applicable grant and exception in the actual form, and verify who is insured, the policy period, limits, and claim-notice steps.