I'm starting a product business. I designed something and someone else is going to make it. My insurance broker has advised that it's unlikely I'll get product liability insurance without a rights of recovery or recourse agreement in place because I have no control over the manufacturing process etc. Is this something that gets written into a contract? Do I need to speak to a solicitor? Is it written into the suppliers insurance agreement? Any advice or ideas on where to get advice appreciated. As it stands, my current supplier (just a seamstress working from home who has been helping me with the design) doesn't have insurance so I need her to get some in place or find someone else to make the product to sell.
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