The short answer
General liability includes 'products-completed operations' — bodily injury and property damage from defective products or completed work. Standard $1M/$2M limits are thin for manufacturers; expect to buy $5M–$25M umbrella. Recall costs are separate — product recall insurance is a specialty coverage.
Frequently asked
- Am I covered for products sold on Amazon?
- Amazon requires $1M CGL naming Amazon as additional insured. Product liability applies to your sales channel — verify no channel exclusion.
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