Consumer products
A product used in the home can generate high-frequency and high-severity allegations.
The intended user, warnings, age grading, batteries, electronics, ingestion, flammability and marketplace reach all affect underwriting.
Know the user and use
Identify intended and foreseeable users, age ranges, environments, instructions, warnings, misuse and consequences of failure.
Standards and testing
Document applicable standards, accredited testing, certifications, change controls and complaint response. Testing should match the actual production product.
Ecommerce reach
Direct-to-consumer sales can expand geography quickly. Keep sales by state and country, product listings, versions and customer contact records.
Counterfeit and unauthorized sellers
Insurance is not a substitute for brand controls. Monitor unauthorized channels and preserve evidence distinguishing genuine from counterfeit products.
Product liability guidance