Have you got protection?

Claims can arise from all manner of defective products so companies involved in the sale and supply of goods and services must have appropriate cover, says Owen Gorman.

Product liability is concerned with a legal liability for damage
caused by defects in products. It is important to note that the word
'product' can refer to an almost unlimited range of tangible items used
for industrial, commercial and domestic purposes at every stage of
production, manufacture and supply.


The notion of defectiveness is fundamental to the concept of product
liability and the necessary insurance. Liability may arise in tort,
contract or statute. Tort constitutes a civil wrong and