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Topic: Product Use Liabilities  (Read 1374 times)
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« on: February 25, 2004 01:05:43 PM »

I'm considering starting a business and selling, among other things, soap and bath salts.  I'm concerned that somone will use them and have an allergic reaction and sue me (maybe over-dramatic thinking, but the thought I had nonetheless).  I intend to list the ingredients on the website so they'll know beforehand.  Would that sufficiently release me of liability?  Also, how detailed do I need to be?  For example, do I need to list every ingredient in the fragrance?  Thanks in advance for all your help!!!!

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« Reply #1 on: February 25, 2004 01:50:47 PM »

Visit the FDA site (assuming you're in the US -- if you're elsewhere different rules may apply) -- http://www.fda.gov/

That site is a little enormous, but you should be able to find the appropriate labeling guidelines.

Even with proper labeling, things can still happen when it comes to that type of item -- you should really consider getting liability insurance just in case.  Especially when you're a sole proprietorship (meaning your personal assets are at risk if someone sues), this is good to have, though I know that most bath/body DIYers don't start out with this type of insurance b/c of the cost.  Also, certain retailers won't take your bath/body items if you do not carry a certain level of liability coverage.

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« Reply #2 on: February 25, 2004 01:57:24 PM »

Wow!  Looks like I'll have my reading cut out for me!  Thanks for the information!  I was afraid I'd have to go the insurance route, but better safe than sorry.  

Thank you!!!!!!

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« Reply #3 on: October 26, 2004 06:57:37 AM »

Does anyone here have General Liability Insurance or Product Liability Insurance? I'm looking into these things and wondered if anyone could give me some tips, general cost ideas, etc.

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« Reply #4 on: October 27, 2004 06:45:00 PM »

I'm interested as well.  I know if you do any type of events etc. it's a really good idea...I live in CA, so any tips on good agents are greatly appreciated!!

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« Reply #5 on: January 30, 2005 03:52:02 PM »

From what I understand, you need to go through someone licensed in your state, and for a million dollar policy, it costs around $350 per year. That's what people have been telling me anyway. I am looking into it too, since I deal with food. Good luck!  Smiley
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« Reply #6 on: January 30, 2005 04:04:18 PM »

Especially when you're a sole proprietorship (meaning your personal assets are at risk if someone sues),

On the other hand, if you are poor and have no assets your pretty much in the clear. Smiley

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« Reply #7 on: August 01, 2006 06:59:15 AM »

I'm reopening this thread because I'm having insurance quandries as well and want to know more.  Does anyone out there have a liability policy??

Is it a business policy or personal?  If I understand correctly it doesn't really matter which you get if you're a sole proprietor.  Is that correct?

Also, how much insurance is enough?  A million seems extreme.  Also, I've been told that insurance for bath and body products is especially expensive... is that true??

I'd LOVE some advice. 

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« Reply #8 on: August 02, 2006 06:10:40 PM »

I posted about libility insurance a few months ago here.  Search for that topic.

I had to call around and around.  I found a couple of people who would insure me for general liability that covers my products, theft, fire, and also coverage in case a customer came to my house to pick up an order and tripped and fell on the porch, that sort of thing.  You never know who is going to sue for what.  My mother sued the Salvation Army, for God's sake, when she fell in the parking lot.

The policies from the few places that would bother to call me back ranged from $750/1M to $250/500K. 

I don't sell soap or bath products, though, just good old fabric goodies for babies.  But what if I left a pin in a dress and it stuck a baby?  My mother would probably sue :-/  You have to be covered.  It just has to be a cost that is factored into your goods.

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