Map exposure before discussing cover
Describe products, territories, activities, software control and supply-chain roles. A manufacturer, importer and technical service provider may have different exposure and different policy needs. This factual map helps an insurer or broker discuss the risk without pretending the policy determines statutory responsibility.
Read the actual policy
Coverage depends on the policy wording, insured activities, exclusions, dates and applicable law. Product liability, recall costs, professional indemnity and cyber losses may sit in different covers. Do not infer coverage from a policy title or a marketing summary.
Preserve incident and notification records
When an incident arises, record the chronology and review the actual notification requirements with appropriate professional help. Keep factual investigation records separate from unverified assumptions about fault or coverage. Supplier contracts and recourse arrangements should be considered alongside, rather than substituted for, insurance analysis.
Records that help the review
Use the following as a practical starting point. Select and preserve records appropriate to the product, incident and applicable procedure.
- Products, territories and business roles
- Complete policy and endorsements
- Incident and notification chronology
- Supplier contracts and recourse arrangements
These are planning questions. No insurer, coverage position or recommended policy is implied.
Primary sources and legal scope
This page explains the EU Directive framework. Check national implementing law, the corrected temporal scope and relevant procedure before applying it to a case.
- Directive (EU) 2024/2853, consolidated text: Articles 8, 12, 14 ↗
- Official Journal corrigendum, 7 May 2026: Article 2(1) ↗
Source register: corrected scope verified 16 October 2026. Article references identify the legal basis. No qualified legal review or national implementation status is claimed.