@lyndal1838 wrote:
I would think that Insurance would only be necessary if the seller was selling items that might cause harm to the buyer such as electrical equipment, chargers etc.
I agree, there was a case a couple of years ago where a girl in Penrith was electrocuted by a cheapo Chinese 240v~5v charging adapter.
I believe she was using headphones that were plugged into it while using her laptop which offered a return path as it was also plugged into another wall socket at the time.
The seller was a shopping centre stall operator who was in deep trouble over the product not actually coming up to Aus spec.
The same scenario would cause an online seller grief too.
In the bad old days, any appliance to be sold in Aus had to go through a local approval process to get a standards compliance tick.
In these improved times of global free trade all the manufacturer has to do is claim the item complies and he's good to go.
As it's virtually impossible to drag a dodgy manufacturer out of Shenzen the authorities will go for the low hanging fruit ie the poor seller who believed the manufacturers claims.
I don't know how the case above settled but product liability insurance would be a good thing to have in that scenario.
The insurance company would fight the case tooth and nail.
