What aspect of liability does products liability coverage specifically address?

Products liability coverage specifically addresses safety and the risk of consumer injury associated with the use of a product. This type of insurance is designed to protect manufacturers, wholesalers, and retailers from claims arising from defects in their products that can cause harm or injury to consumers. This includes issues related to design flaws, manufacturing defects, or insufficient warnings and instructions.

Understanding that products liability coverage is focused on the end user helps clarify why the other options do not align with its core purpose. For instance, environmental damages typically fall under separate types of liability or pollution coverage, while defects in labor practices pertain to employment practices liability rather than product safety. Similarly, claims related to business operations are more broadly associated with general liability coverage and do not specifically address the inherent risks linked to consumer products.