Does a CGL cover property damages to your product arising from the product itself?

A Commercial General Liability (CGL) insurance policy is designed to provide liability coverage for a business against certain claims that arise from its operations, products, and completed work. However, when it comes to property damage to the insured's own products caused by those products themselves, the CGL policy typically does not extend coverage.

The rationale behind this is that the CGL is intended to protect against liability arising from third-party claims, not from damage to one's own products. If a product you manufactured causes damage to itself, that is viewed as an internal issue rather than a liability to another party. This is why property damages that occur to the product itself do not get covered under a standard CGL policy.

In summary, the exclusion of self-inflicted damage to goods ensures that the CGL policy focuses on covering liabilities incurred from interactions with third parties and not internal product issues. Thus, stating that a CGL does not cover property damages to your product arising from the product itself is accurate.