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Product liability insurance is crucial for businesses that manufacture or provide products, ensuring protection in case of harm to users or their property. It encompasses any tangible item that is used, touched, or consumed. This coverage is particularly vital for companies in the food, clothing, and toy industries, or any other field where harm is a possibility.

Many business owners policies already include limited product liability coverage. However, if your business lacks this coverage or if your product poses a significant risk of harm, such as containing hazardous materials, it may be necessary to obtain separate product liability coverage.

By securing product liability insurance, you can maintain peace of mind and safeguard your business from potential risks and liabilities.

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