There are three types of product liability claims: 1) strict liability challenges the design or manufacture of the product itself; 2) negligence challenges reasonableness of a manufacturer's conduct; and 3) breach of warranty challenges a product's ability to live up to the seller's promises.
Strict liability is the most problematic because of its unique standard of proof. To successfully prove a strict liability claim, a plaintiff must show the following:
- The product was defective.
- The defect existed when the product left the manufacturer's control.
- The defect was a cause of the claimed injuries.
A product may be defective in three ways. One way is by design — for instance, with sharp Doritos. A product may also be defective by manufacture — as in the case of the finger in Wendy's chili — or by failure to warn, as when McDonald's coffee was said to be dangerously hot. If a person is injured using a product, then generally only the condition of the product itself matters in the eyes of the law, which often deems irrelevant that person's conduct when the accident occurred.
Gathering Basic Facts
Recommended For You
Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader
Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:
- Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
- Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
- Educational webcasts, white papers, and ebooks from industry thought leaders
- Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
Already have an account? Sign In Now
© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.