Products Liability
Legal liability for bodily injury or property damage caused by a product after it leaves the insured's control.
Products liability is part of CGL Coverage A for many manufacturers, distributors, and retailers. Claims include design defects, manufacturing defects, and failure to warn. Recall expenses may need separate product recall coverage.
Examples
A defective appliance starts a house fire; the manufacturer faces products liability from the homeowner.
Common Misconceptions
Assuming GL covers voluntary recalls or pure economic loss without physical injury — often excluded or limited.
Related Terms
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Back to Glossary Claims Pages AcademyThis definition is provided for informational and educational purposes. Insurance terminology may vary by jurisdiction, policy, and context. Consult a licensed professional for guidance specific to your situation.
