Defects in your company’s product can cause property damage or injuries. Even if a product is misused by the customer, a business can be held liable for any damage caused by the product. The more products you produce and create, the greater the chances that one of the products will have a defect. As your risk increases, so does your need to ensure product liability. This type of coverage protects your business from costs if a product does not work properly and causes harm to a third party. Some of the businesses that provide product liability are Stores, Distributors, Manufacturers, Restaurants, etc.