Need a person versed in Product Liability(flashlight)

Need a person versed in Product Liability Insurance. Is there anyone out here I can ask some questions of.

bump

Hmmm.. for sceanarios such as...

lawsuits for
- someone tripping over something and impaleing themselves with a flashlight?
- flashlight embedded in someone's skull from a flashlight freely sitting on the back ledge of a car and it being throw forwards into the driver's head as a
result of an accident?
- How about this one... a strobing flashlight indicating low battery distracting
a driver at a drivethrough causing the driver to spill coffee on his/her thigh
and getting a second degree burn as a result?

people are crazy :laughing:

Actually this is required to do some forms of business and is in many contracts.

The batteries were far more expensive for liability than I thought they would be. But flashlights are quite high as well. I am just wanting to find out what levels we really have to have and how hard we are going to be truly hit. This might be a product buster.

I personally have a hunch that gaglite has some lobbists working hard to
deter lights from overseas. For example, tariffs for "portable lighting devices"
are among the highest tariffed items. 12.5% to be exact!

This is a different matter entirely.

What you need is called vendors coverage. This is something that the manufacturer buys & it protects all his vendors who are selling his product. Once this coverage is in place he can give you a certificate of insurance to prove you have coverage. Basically, it is making you an additional insured under his policy.
Hope this helps.

In this case I will be acting as manufacturer for this part.

Jon, are you an LLC yet? IMHO that is a good place to start as this
shields you from personal liability to a certain extent.

that is not what I am trying to do.....I need to get this done for other reasons.

I am not concerned about getting sued at all.

JonSidneyB said:

I am not concerned about getting sued at all.

Click to expand...

Well you've got me beat. I'm concerned about getting sued every time I step out of my house

Jon, check this out:

http://www.geocities.com/~stuarts1031/flashlight.html

He probably won't be cheap, though. Hope this helps.

I think I am needing to find someone like an insurance underwriter but be able to talk to him for advice where he is not acting in a position to sell anything. Is needing information.

i think jon will be a fortune 500 flashlight company someday i hope so at least he is a good guy

thanks raggie,

we will see what happens.

right now I have to get all the i's dotted and t's crossed.

There has to be someone who can give underwriting advice on cpf.