Product Liability insurance provides protection against financial loss from the legal liability incurred by an insured. This liability can occur because of injury or damage resulting from the use of a covered product or out of the liability incurred by a contractor after a job is completed. This type of coverage is usually included and forms a part of a Commercial General Liability insurance policy. However, certain classes of business are considered to be higher hazards for product liability. The exposures associated with these types of risks may require specialized insurance underwriting, so a stand-alone products/completed operations policy may be required. Examples of classes of businesses that may require a stand-alone products/completed operations policy are: