Product liability insurance: meaning of “product”

The English view of product liability policies, and of exclusions from general liability policies, is that a “product” does not include a house. In Metricon Homes Pty Ltd v Great Lakes Insurance SE [2017] VSC 749 the Victoria Supreme Court has rejected that analysis. The case contains a great deal of learning on other aspects of product liability insurance, including the distinction between defects in the product itself and consequential loss caused by the defective product.

Metricon : the facts