If your business manufactures, modifies, sells, or distributes physical products - protective gear, ammunition, targets, consumables, custom equipment - you have product liability exposure. A defective product that causes injury can trigger claims that trace back to everyone in the supply chain, including your business. Product Liability coverage protects against claims arising from the products you put into the stream of commerce, whether you made them or simply sold them.
What's Covered
- Paintballs, gel balls, and ammo sold to customers
- Equipment rentals that malfunction
- Merchandise and branded products
- Food and beverage served on premises
- Protective gear provided to participants
- Third-party manufactured equipment you sell or rent
If you sell paintballs, gel ammo, food, or any physical product to customers, you have product liability exposure. This coverage is often bundled with GL — but limits and exclusions vary.
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