If a customer gets sick from a product I sell, will my general liability policy cover the astronomical product liability claim defense costs?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
If a customer gets sick from a product I sell, will my general liability policy cover the astronomical product liability claim defense costs?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
commercial general liability products completed operations duty to defend defense costs inside or outside limits policy explanation Google ↗
California Department of Insurance commercial general liability products completed operations defense costs policy limits Google ↗
- A Policyholder’s Primer on Commercial Insurance in the United States · acc.com
- Primary policies typically owe a duty to defend and often provide that defense costs are outside of policy limits. This means that the payment of defense costs does not reduce the insured’s coverage. (Justice H. Walter Croskey, et al., *Cal. Prac. Guide: Ins. Litig.* (The Rutter Group rev. ed. 2022), ¶ 7:355 [“Croskey”].) Accordingly, primary policies typically are more expensive than excess policies and command a significantly higher premium. (*See* *Signal Cos.*, 27 Cal.3d at 365; *SantaFe Bra · supreme.courts.ca.gov
- Commercial Insurance Guide · insurance.ca.gov
- California Insurance Code Section 100 through 124 · insurance.ca.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
commercial general liability products completed operations duty to defend defense costs inside or outside limits policy explanation OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
California Department of Insurance commercial general liability products completed operations defense costs policy limits OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |