No.
Seedsmen’s Professional Liability Insurance should be
carried in addition to Products Liability Insurance as
they are entirely different coverages and complement each other.
Seedsmen’s Professional Liability Insurance covers
claims against the seedsmen which may result from failure of the
seed sold to conform to the variety or other specified
qualities, or to be suitable for the purpose specified,
resulting from any error, negligent act or omission by the
company or its employees.
Products Liability covers
Bodily Injury and Property Damage, both of which are excluded by
the Seedsmen’s Professional Liability Insurance.
Sometimes a Products Liability Policy is enhanced to cover
misdelivery, but, that is not an adequate substitute for
Seedsmen’s Professional Liability Insurance.
