Yes. Lit testers create both fire and burn exposure. Disclose your display practices.
Disclose it. E-commerce expands your distribution footprint and product exposure.
Substantially. Manufacturing shifts you into a different class with broader product exposure.
Yes. Chain of distribution liability names retailers, and fire claims carry high severity.
Yes. Reselling places you in the distribution chain regardless of who manufactured it.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
