Does a retail store need product liability insurance? 

Yes. Retailers can be named in lawsuits over defective products even when they did not manufacture them, because sellers sit in the product’s chain of distribution. Products liability protection is included within general liability insurance, so most stores carry it through their general liability or business owners policy. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.