Liability for injury, loss or damage arising out of the design, plan, formula or specification of goods. Public liability and products liability policies tend to exclude these risks where the work is done for a fee as this may indicate that the risk is more properly insured under a professional indemnity policy. Where a fee is not normally payable there is no exclusion and ‘non-professionals’ remain covered for third party injury or damage as defined in the policy. This is important as liability may automatically attach to ‘non-professionals, e.g. retailers, under the Sale of Goods Act 1979 or the Consumer Protection Act 1987. See also PATTERNS, MODELS, MOULDS DESIGNS. AND