Which description best defines Your Product for insurance purposes?

• A. It Covers All Real Estate Owned by You
• B. It Includes Goods or Products You or Your Controlled Entities Manufacture, Sell, Handle, Distribute or Dispose
• C. It Refers to Intangible Property
• D. It Applies Only to Products Sold to End Consumers

Answer: (B)

In liability coverage, Your Product describes the goods or products you or your controlled entities manufacture, sell, handle, distribute, or dispose of. This is the best fit because product liability exposure targets injuries or damage caused by those products once they’re in the market or out of the insured’s hands, including items produced or distributed by entities under common control. The definition captures the full path of responsibility—from manufacturing to handling to disposal—so it applies even when the product passes through others.

This differs from options that focus on real estate ownership, intangible property, or sales to end consumers alone, which don’t describe the insured’s products or the scope of product liability coverage. For example, products you or your controlled entities produce and distribute are covered, not just property you own (like real estate) or intangible assets, and not limited to sales to final customers.