No, but California law is the reason to carry it anyway. California originated strict liability in tort for defective products in Greenman v. Yuba Power Products (1963), which means a claimant need not prove negligence, only that the product was defective and caused harm. Vandermark v. Ford extended that reach to retailers a year later. So a distributor or reseller who never touched the design can be named. Contracts do the rest: retailers, landlords, and marketplaces commonly require the coverage and additional insured status before they will carry you.
Related FAQs
Claims can still arise, including alleged failure to warn. Coverage response depends on the facts, and we can walk you through it.
Yes. Under California’s strict standards, sellers and distributors can be named in a product claim, not just manufacturers.
Many do, and marketplaces often require it before listing. We can help you meet those requirements.
Ready to get started?
Talk to an advisor or request a quote. It takes about five minutes, with no commitment. Be insurance wise.
