You are a liability underwriter for an insurer. One of the insurer's prospective policyholders is SNX Ltd, an Irish clothing distributor. SNX Ltd distributes clothing to retailers throughout Ireland. However, SNX Ltd does not manufacture or directly import clothing, but relies upon another Irish company to import clothing from Europe. SNX Ltd requires a quotation for its product liability insurance cover.

(a) Identify, with justification, an appropriate trigger for the product liability insurance cover. (2 marks)

(b) Discuss how you would assess the product liability risk for SNX Ltd.