Recall costs before damage occurs cannot be inferred from product liability cover. Safety duties and an express policy extension serve different purposes.
A conflict in business liability insurance requires specific explanations. Separate notification of the conflict, choice of defence and responsibility for costs.
Separate the main business's liability from the subcontractor's own insurance. Map entities, tasks and certificates before stating that everyone is insured.
Third-party loss and environmental restoration require separate questions. Prepare a spill-risk review without assuming a policy proves legal compliance.
Operating liability and product liability need separate checks. Distinguish third-party damage, replacement of the product and recall costs when reviewing a proposal.