No. Product liability pays for the harm a product causes (medical bills, property damage, settlements). Recall coverage pays for the cost of the recall itself — notification, retrieval, transportation, disposal, replacement, and the often-substantial expense of determining what was sold to whom. The two coverages are distinct and typically need to be purchased separately. Recall is critical for food, beverage, cosmetics, dietary supplement, medical device, and consumer-product manufacturers — anyone subject to FDA, CPSC, USDA, or international recall authority.

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