Many marina businesses handle products as part of their operations, whether importing, manufacturing or distributing them. Product liability insurance protects your business if someone claims that your products have caused them damages. It’s especially useful to have this type of insurance if your products have a higher risk of causing harm to the user or their possessions. This policy is the initial layer of defense against lawsuits, whether or not they have merit. Bodily injury or proper damage is required to trigger coverage and defense.