Efficacy

Effectiveness of a drug or medical treatment or procedure to produce a certain result under ideal conditions, usually in controlled, expert settings with carefully selected patients. If a medical service results in a health benefit, then it is considered efficacious (effective).

Efficacy risk

The risk that a product may fail to perform its intended function. The failure may cause physical injury or damage or a purely financial loss, e.g. loss of production time. The product liability policy does not pay to replace the product or guarantee its efficacy but liability for injury, or damage consequent upon inefficacy, is insured. Pure financial loss due to inefficacy can be insured under a financial loss extension of a product liability policy or under product guarantee policy. See EFFICACY AND LIQUIDATED DAMAGES INSURANCE.