Despite hard-working which the small businesses typically put in order to make it sure that they are manufacturing the high-quality products, there are still some chances that the goods might fail to work accurately. For instance, an apparel company of the children might produce the clothing which actually does not fits properly and thus poses the suffocation hazard, and the food service business might bake the pastries with the ingredient which triggers the client’s allergic reactions.
There’s always a potential for the defects which might result in some bodily injury or the property damages – quite serious risk neither the business nor the clients might afford. That is why all of the businesses which sell the goods must have the product liability insurance or coverage.
http://www.insuranceconsellor.com