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Discussion Starter · #1 ·
Does any one have any ideas for a good disclaimer for slings? I'm only making them for friends, and would think that nothing would ever happen, but considering I live in the real world and not make-believe land, I also think it might be good to cover myself just in case. I was thinking of putting together a little flyer thingy to give them when I give them their sling explaining the different ways to use them (I'm bringing a whole new world to them! <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/wink1.gif" style="border:0px solid;" title="wink1"> ) and also putting something about not being responsible if anything were to happen and how they should use common sense when carrying a babe. It wouldn't be directed at them, per se, but more of a general statement. Any ideas or help? Thanks! <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/smile.gif" style="border:0px solid;" title="smile">
 

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You can put it up there, but it would not protect you from anything. If someone wants to sue you over a sling, that disclaimer will not hold up.<br><br>
You need insurance.
 

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LaLa's right, a disclaimer is a good idea, but won't protect you. Only insurance will. But if you're only selling to friends, I would think you have little risk. If you personally know the people you are selling to, you will be able to show them how to use it, they can ask for troubleshooting help, and you should be fine. I'm doing my search for insurance now and an agent told me "If you sell only to friends and family, I don't think you need insurance, but once you move beyond that you do."
 

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Discussion Starter · #4 ·
Thanks LaLa and Beth for the info. So, is the insurance then separate than a home owners policy? I guess if I get a little more involved, I'll check with our insurance co. (they carry both our house and our cars). If only life was a little simpler ... <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/shy.gif" style="border:0px solid;" title="innocent"> But yea, I'm hoping that just selling to friends (and actually I've thus far only given away to friends but one of them wants to pay me for at least materials) I'll be okay.
 

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It is different then home owners.<br>
You get a policy for your business.<br>
It can be very difficult to get insured on slings and children's toys.<br>
I was turned down every place I went for handmade toys or slings.<br><br>
If you are interested in selling slings and want better protection in terms of insurance, open your business as a corp or limited liablity. See a lawyer to find out how to seperate your family assets from the business.<br><br>
Also, you can carry and sell slings that are insured instead of insuring your own handmade items.<br>
So, if bigger names like Maya and OTSBH have insurance, you could sell those and your own premium would be much easier to find and much cheaper.<br>
When I used to retail my premium was around $350 a year for handmade bath care items. I think that is very fair.<br>
For slings, I imagine it would be higher.<br><br>
Good luck!
 

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Ugh!!!! Something else I haven't thought of....just when I thought I was getting close to being done with all the early set up stuff....<br><br>
I feel like the set up alone is sucking me dry. I haven't even started putting the necessary money into marketing...<br><br>
Do all small WAHM business need business insurance?? My products are for adults and not for use with babies or children....do I still need it??
 

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I think you need it, BUT since your product is not intended to be used with or by children, you are safer putting it off longer. This is just my opinion and it's still a gamble not having insurance. Eventually, though, I think all businesses need insurance.
 
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