Liability and box blankets: Get free advice

Questioner

We sell playpen mats with a memory foam filling (tempur) via our webshop. We are now advised to take out liability insurance. What could we be held liable for? The only example we can think of is that a baby dies on our mat. Is it sufficient to supply a leaflet stating that a child should not sleep on our playpen mat unsupervised? Can you think of anything for which we could successfully be held liable?

Lawyer

A playpen blanket doesn't seem very dangerous to me at first glance. If I have to think of something: Toxic if eaten or inhaled; Cutting at the seam of the playpen rug; Baby overheating or suffocating when rolled up in playpen blanket. As for the package insert, that can reduce your liability risks, but certainly with regard to a consumer, excluding liability can quickly be annulled if the consequences of a problem are serious. Incidentally, such an exoneration clause can contain a few 'locks on the door'. Something to have a lawyer draw up for you. Then have your entire general terms and conditions checked again immediately.