Which of the following is usually covered under a "product liability" policy?

A product liability policy is specifically designed to cover claims that arise from injuries or damages caused by products that a business sells or manufactures. This type of insurance provides protection for the company against lawsuits or legal claims filed by consumers who may suffer harm due to defects in the product, inadequate warnings, or improper instructions for use.

In the context of this question, the focus is on the risks associated with the products themselves, rather than other types of risks faced by a business. Claims arising from employee injuries are typically covered under Workers' Compensation insurance, not product liability. Transportation accidents might involve commercial auto insurance, which addresses risks associated with vehicles used for business purposes, rather than the products themselves. Claims from natural disasters are generally covered under property insurance, not product liability insurance, as they involve damage to property rather than issues related to product performance or safety.

Therefore, the correct answer emphasizes the essential purpose of product liability insurance, which is to mitigate the risks associated with the products that a business places in the market.