We include product liability within our public liability cover, so if you make or sell items, you'll be covered if one of your products causes injury or damage to a member of the public or their property. A customer could suffer a product-related injury, or damage, weeks or even months after purchasing the product. E.g., if an electric lamp overheats a month after the customer has purchased it, causing a fire and damage to the customer's house. For this reason, we offer product liability cover on an annual basis. Read more about product liability insurance.