Which insurance would a business not typically need if its operations involve physical products?

A business that involves physical products typically faces certain risks associated with the production, distribution, and sale of those products. Each type of insurance mentioned addresses different aspects of risk.

Products Liability Insurance is critical for businesses that sell physical products, as it protects against claims arising from injuries or damages caused by those products. General Liability Insurance is essential for covering a wide range of liabilities, including bodily injury, property damage, and personal injury claims.

Commercial Property Insurance protects the physical premises and assets of a business, ensuring that damages to property or loss due to various risks—like fire or theft—are covered.

Cyber Liability Insurance, while important in its own right, primarily addresses risks associated with data breaches, cyberattacks, and other technology-related incidents. Businesses that deal in physical products may not have the same level of exposure to these cyber risks compared to their physical operations. Thus, this type of insurance is not typically needed for businesses primarily engaged in the manufacturing or sale of physical goods.