Which item is not included in Your Product?

Which item is not included in Your Product?

• A. Real Property
• B. Durable Goods
• C. Merchandise
• D. Inventory

Answer: (A)

Your Product coverage protects liability for goods or products that the insured manufactures, sells, handles, or distributes. Real property—land or buildings—is not a product; it isn’t something produced or sold, so it doesn’t fall under Your Product. The other items listed are forms of goods a business might produce or hold for sale, so they can be included under Your Product. For example, a defective durable good or damaged merchandise that causes injury or property damage would be covered as a Your Product claim, whereas issues related to the real estate itself would not.

Your Product coverage protects liability for goods or products that the insured manufactures, sells, handles, or distributes. Real property—land or buildings—is not a product; it isn’t something produced or sold, so it doesn’t fall under Your Product. The other items listed are forms of goods a business might produce or hold for sale, so they can be included under Your Product. For example, a defective durable good or damaged merchandise that causes injury or property damage would be covered as a Your Product claim, whereas issues related to the real estate itself would not.