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When Your Brand New Chair Breaks ...

Chair_4 This is a continuation of my prior post about Products and Completed Operations Coverage.

I want you to imagine that you went to your favorite furniture store to shop for a new desk chair. You’re giving a few of them a trial run and, as you sit in one plush leather chair you begin to put pressure on the back of the chair, it gives out on you. 

As you stand up, you notice that your back really hurts and you think you may have injured yourself.  You end up suing the furniture store for damages resulting from the accident in the store.

Is this a Products or a Premises Claim?

Here are some general guidelines for determining if it’s a products claim or a premises claim.

  • Was the chair in your possession (had you bought it when the mishap occurred)?
  • Or did you fall backwards out of the chair while “trying it out” in the store?

In the example above, this would be a premises claim against the furniture store because the chair:

  • Was on their premise
  • Was owned by the store

But what if you order the chair, it’s in your office and then it breaks when you sit in it?

Any claim payment would now be paid under products-completed operations.

What if a client is visiting your office and tumbles in one of your chairs? Or a table collapses on them? That’s another instance when Products and Completed Operations Coverage is important to have.

I know – fascinating stuff.  Just because insurance isn't always a scintillating topic, doesn't mean it isn't vital to your business.

Just wait until I cover Completed Operations. If you’re hiring a plumber, electrician or similar contractor – you’ll want to know about this coverage.


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Subject : To start new business relationship
Dear Sir / Madam,

We wish to introduce our self as the leading exporter and manufacturer of Indian Wooden Furniture. Leela Export House is a pioneer name in the industry from last 10 years. Our up to now successful journey contains clients from USA, UK, Australia region.
You can visit our online portfolio at www.leelaxpo.com.

Hope for a good business relationships.

With Best Regards
Leela Export House
Mr. D.D.Khatri, Mr. Mukesh Khatri
Contact Address : 9(A)New Nakoda Industrial Area II Phase, Basni, Jodhpur - 342005, Rajasthan. India
Phone : +91-98292-49518, +91-94144-12332, +91-0291-2402198 (O), 2711589(R)
Email : info@leelaxpo.com , leelaxpo@hotmail.com

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