--- title: "CNA Product Liability Insurance" description: "What CNA Product Liability Insurance covers, who it’s for, and its limits and retentions, cited to CNA’s own published sources." canonical: "https://spot.insure/insurance-providers/cna/product-liability" page-type: "offering-page" updated-at: "2026-09-29" --- 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-providers/cna/product-liability) # CNA Product Liability Insurance CNA Life Sciences Product Liability ## Who It’s For - CNA targets life-sciences manufacturers, distributors and wholesalers, including pharmaceutical, nutraceutical, biotechnology and medical-device organizations, as well as R&D/clinical-trial organizations. [1](https://www.cna.com/industries/life-sciences "Life Sciences Insurance | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Life-sciences product and professional liability Jurisdiction: United States Research source scope: U.S. life-sciences manufacturers, distributors, R&D and clinical-trial organizations Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control.) ## Coverage Features - CNA markets a Life Sciences Work-Hazard Product Liability policy for bodily injury or property damage arising from product work-hazard claims. [1](https://www.cna.com/industries/life-sciences "Life Sciences Insurance | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Life-sciences Work-Hazard Product Liability Jurisdiction: United States Research source scope: U.S. life-sciences manufacturers, distributors, R&D and clinical-trial organizations Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control.) - CNA says Products–Work Hazard Liability and Professional Liability may be issued separately or combined with one aggregate; monoline options are available. [3](https://www.cna.com/sites/default/files/assets/85414205-73c9-4b2a-a407-dcb0a47a9840/cna-life-sciences-coverage-highlights-faq.pdf?ContentCache=NONE&MOD=AJPERES "Life Sciences Coverage Highlights FAQ | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Small-business life-sciences products and professional liability Jurisdiction: United States Research source scope: U.S. small-business life-sciences products liability; summary is not policy form Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source FAQ is dated 2023 and is an informational summary, not the issued policy form. Historical FAQ summary ©2023; not the issued form. Source/date qualification: Copyright ©2023; FAQ details are historical summary, not issued policy terms.) ## Limits and Retentions - CNA’s small-business life-sciences page states that qualified applicants may obtain product liability with E&O limits up to $10 million. [2](https://www.cna.com/solutions/small-business/life-sciences "Small Business Life Sciences Insurance | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Small-business life-sciences Products Liability with E&O Jurisdiction: United States Research source scope: U.S. small-business life-sciences professional and products liability Claim limitation: Up to $10 million for qualified risks; not guaranteed offered limit or universal availability.) ## Other CNA Coverage Lines - [CNA D&O Insurance](https://spot.insure/insurance-providers/cna/directors-officers) - [CNA Employment Practices Liability Insurance](https://spot.insure/insurance-providers/cna/employment-practices) - [CNA Fiduciary Liability Insurance](https://spot.insure/insurance-providers/cna/fiduciary) - [CNA Management Liability Insurance](https://spot.insure/insurance-providers/cna/management-liability) - [CNA Medical Malpractice Insurance](https://spot.insure/insurance-providers/cna/medical-malpractice) ## Related - [CNA Profile](https://spot.insure/insurance-providers/cna) - [Coverage Guide: Product liability](https://spot.insure/coverage/product-liability) ## Sources 1. [Life Sciences Insurance | CNA](https://www.cna.com/industries/life-sciences). CNA; Life Sciences: products, target classes, claims and risk control. Accessed 2026-09-28. 2. [Small Business Life Sciences Insurance | CNA](https://www.cna.com/solutions/small-business/life-sciences). CNA; Coverage and appetite: products liability, limits, optional features and target classes. Accessed 2026-09-28. 3. [Life Sciences Coverage Highlights FAQ | CNA](https://www.cna.com/sites/default/files/assets/85414205-73c9-4b2a-a407-dcb0a47a9840/cna-life-sciences-coverage-highlights-faq.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–3: work-hazard products liability, separate/combined form, recall benefit, reporting, availability and exclusions. Accessed 2026-09-28. Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). 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