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)

In liability coverage, “Your Product” refers to goods or products that the insured manufactures, sells, handles, or distributes, and that arise out of those products. Real property—the land and buildings— isn’t a product and isn’t something the insured insanely develops for sale in the market, so it isn’t included as part of Your Product. The other options—durable goods, merchandise, and inventory—are forms of tangible personal property that the business deals with in its product line, so they fit within Your Product. If the insured performs work on real property, that would relate to Your Work rather than Your Product, and the real property itself wouldn’t be counted as Your Product.