British Furniture Manufacturers

The importance of product liability cover for furniture makers

14 November 2023

Premierline works with members of the British Furniture Manufacturers Association to ensure they have adequate insurance protection in place.

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For businesses that manufacture furniture products, it’s important to consider product liability insurance should the worst happen, and a customer makes a claim as a result of harm or injury caused by the product.

For furniture manufacturers, ensuring the safety and quality of products is of utmost importance. However, despite taking all necessary precautions, accidents and unforeseen incidents can occur. In such cases, product liability insurance becomes an essential safeguard. Read on to find out why furniture manufacturers and BFM members should seriously consider investing in product liability insurance to protect their business, reputation, and customers.

Legal Protection

Product liability claims can arise from manufacturing defects, design flaws, or inadequate warnings or instructions. Legal action resulting from such claims can be financially devastating, potentially leading to costly settlements, fees, and damage to the company's reputation. With product liability insurance, manufacturers have a legal protection that covers them against these claims, potentially minimising the financial impact and enabling them to focus on their business operations.

Reputation Management

The reputation of furniture manufacturers is crucial for maintaining customer trust and securing future sales to customers who love their product. A single product liability claim can damage a company’s reputation, resulting in decreased customer loyalty and a potential loss of business in the future. By demonstrating a commitment to customer safety through product liability insurance, manufacturers can build trust with their customers.

Compliance with regulations

Furniture manufacturers are subject to various safety regulations and standards. Failure to comply with these regulations can result in penalties and legal consequences. Product liability insurance ensures that manufacturers meet the necessary standards and regulations, providing additional protection against potential liabilities stemming from non-compliance. Whilst it’s not a legal requirement, product liability insurance is generally recommended to businesses who provide a product to end users.

Peace of Mind

Running a furniture manufacturing business involves multiple risks and uncertainties. Product liability insurance offers peace of mind for manufacturers, knowing that they have a good safety net in place should the worst happen. This allows business owners and employees to focus on their core operations and innovation, rather than constantly worrying about potential legal claims and financial repercussions should a problem arise with their product.

Overall, Product liability insurance is a vital investment for furniture manufacturers, helping protect their business, reputation, and customers in the face of unforeseen incidents or accidents. By mitigating financial risks, ensuring legal compliance, and fostering customer trust, manufacturers can focus on providing high-quality products and growing their business. Ultimately, having product liability insurance is a must for furniture manufacturers looking to safeguard their future.

Product liability insurance for BFM members

This article was created by Premierline Business Insurance Broker, a long-established insurance partner to the British Furniture Manufacturers Association who know the daily risks faced by furniture makers. If your business insurance is due for renewal and you’d like an independent review, or you wish to discuss product liability insurance in more detail then please call your BFM insurance team on 0330 102 6171 or email:


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