What is the main focus of products liability insurance?

The main focus of products liability insurance is to provide coverage for claims related to injuries or damages caused by products that are manufactured, distributed, or sold. This type of insurance is essential for businesses involved in the production and sale of goods, as it protects them from financial losses stemming from lawsuits claiming that their products caused harm to consumers or property. When a defect in a product leads to an injury, consumers can seek compensation, and products liability insurance helps businesses manage the costs associated with these legal claims, including legal fees, settlements, and awards.

In this context, other options do not align with the definition and purpose of products liability insurance. For instance, protection for directors against lawsuits relates more to directors and officers liability insurance. Similarly, insurance for healthcare malpractice cases pertains to medical malpractice liability and is not concerned with product-related risks. Finally, protection against errors in professional services typically falls under professional liability insurance, which covers professionals for mistakes made in the course of providing their services, rather than the physical goods associated with products liability.