Product Liability Policy Feature Checklist
What to confirm in a product liability policy — what's standard, what's often limited, and what to add if needed — plus the gap most often missed.
Pull out your current product liability policy and check the box next to each feature you can confirm it includes — anything unchecked is worth a quick conversation with your advisor.
Tick each feature you can confirm your policy includes — anything left unticked is a good question for your next policy review.
| Confirm? | Policy feature | What to confirm | Priority |
|---|---|---|---|
| Products-Completed Operations Aggregate | Confirm the aggregate limit fits annual sales volume and product risk. | Standard | |
| Vendor's Endorsement from Suppliers | Extends the manufacturer's coverage to you as a seller of their products. | Often limited | |
| Imported Product Coverage | Confirm products made overseas aren't excluded — importers are often treated as the manufacturer. | Often limited | |
| Contractual Liability to Retailers | Covers indemnity promised to retailers — confirm it isn't limited. | Often limited | |
| Worldwide Territory with U.S. | Suits Covers products sold abroad and suits brought in the U.S. | If needed | |
| Occurrence Form | Product claims can surface years after sale — occurrence coverage responds for the year of injury. | Often limited | |
| Product Recall (Separate Policy) | Product liability excludes recall costs — confirm recall coverage separately. | If needed |
The gap most often missed in this coverage
The most commonly missed gap in this coverage is importer risk. When a foreign manufacturer can't be reached, the U.S. importer or brand owner is often treated as the manufacturer — in the commercial line with the worst results of 2025. Importers should require foreign makers to carry U.S. product liability naming them, collect vendor's endorsements, and confirm imported products aren't excluded.
Send us the checklist and we'll review your product liability coverage line by line, then market it across multiple carriers that compete for your account.
Related: Product Liability Insurance · Product Liability Supplemental (apply) · All coverage checklists
Frequently asked questions
What should a product liability policy include?
Standard features to confirm in a product liability policy include Products-Completed Operations Aggregate. This checklist also flags the features that are often limited or sublimited and the ones to add if needed, with a plain-English note on each.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my product liability coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.