This policy provides coverage against legal liabilities for bodily injury or property damage occurring during the period of insurance that may arise out of but is not limited to;

• products manufactured by the insured.

• products manufactured, altered or repaired by the insured. 
• Products sold by the insured. 

Overview

 Bodily Injury Claims:

• Covers medical expenses and legal costs if a consumer is injured as a result of using a defective product. For example:
  • A faulty appliance causes electrical burns to the user.
  • A toy with sharp edges injures a child.

 Property Damage Claims:

• Provides coverage for damages caused to property by a defective product. For example:
  • A malfunctioning product causes a fire that damages a customer’s home.
  • A defective tool causes damage to the consumer’s property while in use.

 Legal Defence Costs:

• Covers the cost of defending against product liability lawsuits, including attorney fees, court costs, and other associated expenses. Even if the claim is unfounded, legal defense can be costly without this coverage.

 Product Recall Costs:

• Provides coverage for the costs associated with recalling a defective product from the market, including transportation, replacement, and public relations expenses. This may arise if a product defect is discovered after it’s been sold to consumers.

 Manufacturing Defects:

• Covers damages caused by defects in the design or construction of a product that make it unsafe for use. For example:
  • A poorly designed car part that leads to an accident or malfunction.
  • A batch of food products contaminated with harmful ingredients.

 Design Defects:

• Protects against claims where a product’s design is inherently dangerous, even if manufactured correctly. For example:
  • A children’s toy with small parts that poses a choking hazard.
  • A power tool that is dangerous due to its design.

 Marketing Defects (Failure to Warn):

• Covers claims related to inadequate labeling or warnings on products that could cause harm. For example:
  • A cleaning product with insufficient instructions leading to chemical burns.
  • A prescription drug with unclear dosage instructions.

 Bodily Injury Claims:

• Covers medical expenses and legal costs if a consumer is injured as a result of using a defective product. For example:
  • A faulty appliance causes electrical burns to the user.
  • A toy with sharp edges injures a child.

 Property Damage Claims:

• Provides coverage for damages caused to property by a defective product. For example:
  • A malfunctioning product causes a fire that damages a customer’s home.
  • A defective tool causes damage to the consumer’s property while in use.

 Legal defence Costs:

• Covers the cost of defending against product liability lawsuits, including attorney fees, court costs, and other associated expenses. Even if the claim is unfounded, legal defence can be costly without this coverage.