Product liability insurance
Product liability insurance covers claims that a product you made or sold caused injury or property damage after it left your hands, like a candle fire or a food-borne illness. It is usually bundled into a general liability policy. Food, candle, skincare and children's-product vendors should confirm it is included.
Updated
About product liability insurance.
Also called: products liability, products-completed operations coverage.
Many general liability policies include products coverage by default, but some exclude certain products, such as cosmetics or items for infants. Read the policy or ask your agent to confirm in writing.
It matters most for makers of things that go on or in a body or near a flame. Organizers may ask for it by name, so check that the certificate shows it.
Resellers can be held responsible for products they sell even if someone else made them, so product coverage is not only for makers.
This is general information, not insurance or legal advice; an insurance agent can tell you what your own policy covers.
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