When you put a product out there, consumers expect it to be safe. Fair enough, really. But when something goes wrong—a faulty kettle, dodgy toy, or building material that isn’t up to scratch—the question becomes: who’s on the hook?
That’s where the Consumer Protection Act 1987 steps in. It’s the backbone of UK product liability law, and it means business for anyone making, importing, or selling goods.
That’s where the Consumer Protection Act 1987 steps in. It’s the backbone of UK product liability law, and it means business for anyone making, importing, or selling goods.
What counts as product liability?
Simply put, if your product causes injury or damage, you could be legally responsible. And we’re not just talking manufacturers here—importers, own-branders, even retailers can find themselves in the firing line, depending on the situation.
A product’s considered defective if it doesn’t meet the safety standards the public has a right to expect. Could be a design flaw, manufacturing cock-up, or even just rubbish instructions.
What’s covered under the Act?
- Consumer goods (think electrical appliances, food, toys, cosmetics)
- Raw materials and components (car parts, building materials)
- Even the packaging and instructions
Here’s the kicker—injured parties don’t need to prove negligence. They just need to show the product was defective, it caused damage, and you were responsible for it. Makes the Act a proper powerful tool for consumers.
Why this matters for your business
Product liability isn’t just about legal risk—it’s about your reputation. One dodgy product could mean injury claims, costly recalls, legal fees, and your brand taking a proper battering.
That’s why product liability insurance isn’t just nice to have—it’s essential. It covers legal costs, compensation payments, and helps keep your business standing when things go sideways.
Whether you’re manufacturing, distributing, or selling goods, the Consumer Protection Act is a reminder that with great products comes great responsibility. We’re here to make sure you’re covered for whatever curveballs come your way.
