Does the policy cover design faults?

  • Yes. Unlike a Multimark policy, Injury or Damage claims arising out of the design of the product are not excluded. This is particularly important in the context of the Consumer Protection Act.
  • There is an exclusion on the policy for claims arising out of any design prepared in exchange for a fee.
  • This means that there is no professional indemnity cover for the product’s designer. However the other parties (such as the manufacturer and the retailer) are covered for Injury and Damage claims arising out of a design flaw.
General Liability