Replies

1. 
   RalphBarker | Dec 18, 2009 06:57pm | #1

   I would think that product liability would be covered under your business umbrella policy, but I'm no insurance expert. You should talk to your regular insurance person.

   Then, consider talking to a lawyer about potential product safety warning labels to go on the chairs. Something like: "Occupancy limit - 0.7 adults; Weight limit - 87 pounds". ;-)

2. 
   Taigert | Dec 19, 2009 04:22pm | #2

   Slopdrop,

   My insurance agent and I sit down every year to see if anything has change in the scope of work I perform. We talk about areas of increased liability. The only thing he has said about my shop that would increase my liability is if I was to build furniture or other items to be used by children such as cribs or rocking horses and such. The other products they would need to know about if I was to start building things like gliders, items that can injure fingers and hands. Porch swings are even cause for a slight increase in rates.

   As the other post stated talk to your insurance company, as well as a lawyer.

   I am originally from Canada, from just outside Vancouver. The laws in Canada are far different when it comes to filing a lawsuit than they are in the US. It makes my head spin when I see what some people sue for. In the US anything goes. So you might want to find a lawyer who is familiar with the laws in the US as well as Canada.

   I wish you luck with your venture.

   Taigert