[dido1]

For those of you who make and sell baby carriers, do you have insurance in case one of the carriers you sold rips/tears/fails, causing injury to baby? If so, what sort of insurance? I've been approached to sell some that I make, but I'm nervous about the liability issues.

 

[Tijja]

I don't make carriers but I did want to chip in here and say that anyone who makes baby products should look into becoming a LLC (Limited Liabilty Corporation). That way...if something did happen, you wouldn't lose your shirt in a lawsuit.

 

[art4babies]

This question comes up quite a bit. It is hard to find. I finally found it after contacting Vesta from Peppermint.com because she is in the same state as me (CA) so I could use her agent. The insurance policies change from state to state and this type of insurance (product liability) for baby products can be difficult at best to fine. You might want to start your search at thebabywearer.com because there are a bunch of carrier-makers on that site that might be willing/able to help. I wish you the best in your research.

 

[art4babies]

Quote:

Originally Posted by Tijja I don't make carriers but I did want to chip in here and say that anyone who makes baby products should look into becoming a LLC (Limited Liabilty Corporation). That way...if something did happen, you wouldn't lose your shirt in a lawsuit.

I can't remember why off the top of my head, but this wasn't a good option for us (you have to file under all sorts of different guidelines when you are a corporation - TONS of rules, etc.), so be sure to look at your options closely.

 

[bethwl]

Quote:

Originally Posted by Tijja I don't make carriers but I did want to chip in here and say that anyone who makes baby products should look into becoming a LLC (Limited Liabilty Corporation). That way...if something did happen, you wouldn't lose your shirt in a lawsuit.

I've been told that this isn't exactly true. LLC designation does offer some protection, but if someone can prove that you were negligent in some way, they could still go after your assets. This is something you should definitely speak to a lawyer about. I don't understand it entirely, but the gist is that you cannot simply pay the fee to organize a LLC in lieu of getting product liability insurance (i.e. saying "I know I should have had insurance, but I couldn't find it/afford it/etc. so I just became an LLC and that means I'm protected.")

-Beth

 

[dido1]

Great food for thought for me