Product Liability Claims Can Be Unpredictable

I was reviewing the website, www.recalls.gov, the other day with one specific thought in mind – how many products are on the recall list that you would never classify as high risk, but are considered dangerous enough to be recalled or removed from public use?

What spurs a recall

Keep in mind that recalls are simply not for defective products that do not work as intended.  To implement a product recall there must be some evidence that the product presents an imminent danger to cause bodily injury or property damage.

The following recalled items may surprise you:

• Denture cream
• Foot Warmer
• Car Floor Mats
• Coffee Mugs
• Office Chairs
• Candle Holders
• Women’s Robes
• DVD Players
• Flashlights
• Women’s Shoes
• Indoor Light Fixtures
• Key Chains
• Computer Batteries
• Entertainment Stands
• Window Blinds

The point is that none of the manufacturers, importers or distributors of these products could have anticipated the type of problems they experienced.

So, the next time you feel like paying for Product Liability Insurance is a rip off, I recommend you go to www.recalls.gov and look at all the products being recalled and ask yourself if your business could survive without product liability or product recall insurance, if one of your products ended up on the list.