Liability & Risks · Cover Explained责任防范 · 险种解读
Product Liability产品责任险
Defective Products产品缺陷保障
What it covers
Legal liability for third-party injury or property damage from defects in the insured's products — design defects, manufacturing errors, insufficient warnings.
Scope of cover
- Compensation for injury caused by product defects
- Manufacturing contamination or errors
- Insufficient warnings or instructions
- Legal litigation and defence costs
Exclusions
- Repair/replacement cost of the product itself
- Known defects not corrected in time
- Pure economic loss from product underperformance
保障承诺
承保因产品缺陷（设计缺陷、制造错误、说明不足）导致第三方人身伤害或财物损毁的法律赔偿责任。
保障范围
- 产品缺陷导致的伤害赔偿
- 制造过程中的污染或错误
- 包装警告或说明书指引不足
- 法律诉讼与抗辩费用
不保事项
- 产品本身的修复或更换费用
- 已知缺陷未及时纠正
- 因产品未达预期性能导致的纯经济损失
Also in Liability & Risks同属责任防范
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