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Product Liability

Product liability insurance is a type of insurance policy that offers coverage for legal liabilities arising out of damage or injury caused to a third party due to a product manufactured by the insured business. It covers legal and financial liabilities because of illness, bodily injury or accidental death to a third party or third-party property damage

Advantages

  1. Protection from Design Flaws

  2. Coverage for Defects in the Manufacturing or Production Process

  3. Commercial General Liability (CGL) Coverage

  4. Defective Warnings or Instructions

Extensions

  1. Medical Expenses cover

  2. Pollution cover

  3. Product Liability extension for manufacturers

  4. Food and Beverage cover

  5. Act of God Peril cover

Main Exclusions

  1. Own property or product damage

  2. Fraudulent activity or intended injury

  3. Injury to your own workmen or professionals (They can be covered under separate policies)

  4. Damage caused by War, Terrorism, Aircraft etc.

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