It can, but businesses that manufacture or sell products may need additional product liability coverage for adequate protection.

Some general liability policies include product liability coverage for claims related to defective or harmful products. However, businesses with significant product risks may need a separate product liability policy.

A toy manufacturer is sued for injuries caused by a defective product. The company’s product liability coverage, included in their general liability policy, handles the claim.

If your business involves manufacturing or selling products, ensure your policy includes product liability coverage to protect against related claims.