Selling, supplying or importing furniture and other products creates exposures beyond professional design advice.

This can apply to items such as:

• Furniture
• Lighting
• Fixtures
• Fittings
• Decorative products
• Custom-made items

What exposures can arise? #

Examples can include:

• Personal injury caused by a product
• Property damage caused by a product
• Product failure
• Incorrect or unsuitable products
• Products damaged during storage or transit
• Product recalls
• Delivery or installation issues
• Incorrect specifications
• Claims involving imported products

Businesses supplying goods can also have obligations under the Australian Consumer Law.

Importing products into Australia can create additional responsibilities, particularly where there is no Australian manufacturer responsible for the product.

What insurance can be relevant? #

Depending on the business model:

• Public and Products Liability Insurance
• Professional Indemnity Insurance
• Business Insurance
• Transit cover
• Contract Works Insurance

Products Liability Insurance should not be assumed to cover every commercial cost associated with a faulty product.

Matters such as:

• Refunds
• Replacement of the defective product itself
• Warranties
• Recalls
• Rectification

may be treated differently depending on the policy.

Tell us before commencing product sales or importing goods so the complete activity can be disclosed to insurers.

Contact our team if your Interior Design business sells, supplies or imports products.