No, is the short answer. Products liability insurance is also relevant for businesses involved in design, assembly, repairing and supplying. So, if you are a retailer, supplier or distributor you are exposed to product liability claims. Clearly, some products are more hazardous than others but what would happen if your product caused an accident; even if you think it is not your fault? This is when your Products liability policy steps in to defend and protect you.
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