Here is an excerpt of info regarding lithium ion fires gleaned from the posts at this particular hobbyist site. First will be the link. Anyone interested (and you should all have SOME measure of interest) should read the guide about Lithium ION batteries that is the beginning several posts.
There is a lot of reading (pages and pages) under the heading, and much good information about reasonable safety precautions that these experienced users have developed. It will surprise me if 1/100th of the e-cig communty would be willing to go to the measures that these people realize as neccessary for adequate safety.
You might say, what has al this got to do with the original post about insurance in our community. I tend to think it is fairly parralel.
If our suppliers are finding any kinds of problems obtaining satifactory insurance coverage for the goods they are marketing, the ones who are willing to continue will undoubtably be forced to push liability release agreements to allow sales.
The problem with such an agreement is that it will only stop or slow someone who understands that a liability release is only effective when the complaintent doesn't realize that the release is worthless,
in other words: it will only stop someone who doesn;t know any better.
To simply look at this list many will say, "oh, so many of those reports are from damaged units" - but close inspection reveals MANY are not from damage, or result from routine charging or are otherwise unexplainable.
Scary stuff.
Complete Guide to Lithium Polymer Batteries and LiPo Failure Reports - RC Groups
The listing does not include any of the many 'ballooning only' reports.
FIRE DURING CHARGING:
Operator Error-
9s pack catches fire while being charged at 10s setting. (9)
2s pack catches fire being charged as 3s (10)
2s pack catches fire when charged at 3s setting (13)
2s pack catches fire in plane while charging at 3s setting. (22)
3s pack charged at 4s voltage ignites (27)
2s pack catches fire charged at 3s (30)
2s pack ignites when charged at 10.2V (31)
Overcharged battery (34)
2s pack charged at 11.1V catches fire. (36)
2s pack charged at 3s setting (40)
2s pack charges at 11.1V burns (44)
2s charged at 11.2V goes off in garage (47)
2s charged at 3s voltage ignites in garage (49)
2s charged at 3s ignites in workshop (52)
Another count problem Heli burns (57)
Cell count error caused fire (61, 62)
Pack charged on NiCd setting - (66)
Run Down pack catches fire during charge (71)
LiPo Burns during charge on 109 charger after mode mis-set (82)
Charging slightly swelled pack causes fire (86)
Li-Ion cells catch fire from charger setting error (88)
Cell catches fire during attempt to repeak - (91)
Charging puffed cell causes it to ignite (93)
Lipo burns during attempt to restore overdischarged cell with CC/CV PS (94)
Pack ignites during charging smoke corrodes shed and contents (98)
Possible damaged pack burns like rocket in can (100)
Attempt to recharge dead lipo causes plane fire (103)
Charging probably fully charged 3s pack with Astro 109 result in pack ignition. (104)
2s charged as 3s ignites in safe (109)
Restart of charger resulted in wrong charge mode (113)
Wrong charger settings burns 2 packs (112)
LiPo burns in modelers hand after charging - (115)
Charging slightly puffed cell causes fire, plane burns (117)
Using NiCd setting causes LiPo fire. Owner forgot to switch over to LiPo setting during charge cycle (118)
Charger set on 4 cells with 3 cell pack (126)
Garage fire during charging (127)
Modeler reports 2 lipo fires from wrong cell count (129)
Lipo charged on NiCd setting ignites (130)
Auto cell count charger fire (131)
5s2p4000 packs ignites on first charge (133)
Overvoltage charge ignition (135)
Lipo ignites during charge causing house fire possible charger setting error. (139).
Too high charge rate burns battery (142)
3s charged as 4s 109 with pictures of burn: (144)
3s charged as 4s burns SUV (Schulze 6-330d) (146)
Garage Burns balancer used - (162)
Garage Burns during charging complete loss - (163)
Undetermined Cause While Charging
Fire damages garage while charging pack. (7)
1500 3s pack catches fire during 1A , 11.1V initial charge. (1)
2 cell pack ignites while being charged with 2 cell charger. (11)
Car burns when pack being charged in car catches fire. (24)
2s2p pack catches fire in helicopter possible that charger misread # of cells. (25)
2s pack ignites while on charger set for 2s. (28)
$30,000 damage to house when pack ignites during charging. (no details) (43)
3s pack burns in garage (35)
3s pack burns at correct settings- (41)
3s pack burns at correct charger settings (46)
3s 8000mah pack catches fire after 15min correct settings (53)
Helicopter and pack burns after 15min charge (54)
Automatic cell count charger pack catches fire (55)
Automatic cell count charger pack catches fire (56)
Lipo rockets across room (58)
Automatic cell count charger Lipos burn in garage (59)
Battery ignites in car seat during charging (63)
Damaged battery ignites during charge (67)
Pack balloons during charge, burns while under water (68)
11s3p pack burns during charging at correct parameters (70)
Another charging fire (72)
Helicopter burns when LiPo ignites during charge (73)
Undetermined cause to LiPo fire during charge (74)
Chopper burns from charging LiPo fire (76)
House fire (81)
3s Pack Ignites burning front of car during charge at correct settings. (83)
Helicopter in garage burns while charging (106)
Well used Lipo ignites under correct charging parameters (107)
SUV Vehicle burns (114)
Garage burns during charging (119) Extensive pictures
2 fiires in 2 weeks (120)
Charging battery in plane fire with 109 posts 97&99 (121)
Charging 3000mah with Triton catches fire in garage- (122)
Pack in plane ignites while being charged under hood of truck (123)
Fire in Basement (136)
Lipo catches fire during charging and continues to burn in salt water (138)
Lipo charging in Helicopter ignites burning carpet, drapes and Heli (141)
Lipo charging on hood catches fire - (147)
Lipo charged on correct settings ignites (148)
Lipo fire during charging burns house. (150)
A123 pack burns(?) (152)
Possible charger failure causes lipo fire (157)
House Fire Cause not determined yet (158)
Lipo in back of SUV ignites while charging (159)
5 packs burn during charging (165)
Battery on charger with balancer ignites (166)
Another battery on a balancing charger ignites (167)
Pack on charger causes workshop fire (169)
Very new pack with GWS CP -LP charger ignites (170)
Pack puffs on charger taken outside where it ignites (171)
Pack gets hot on charger, ignites outside (172)
FIRE FROM PACK DAMAGE:
Cell poked with exacto knife catches fire- (2)
Dog bites pack, pack catches fire (4)
Lexus burns after pack from crashed plane put in car. (8)
Ballooned pack ignites when punctured. (20)
Repaired pack catches fire when connected to plane. (29)
Pack catches fire after plane crashes. (37)
Pack cut while shrink wrapping (39)
Pack punctured during crash burns. (64)
Plane crashes, pack removed and 10 minutes later burns (65)
Battery pack at 1V ignites while charging (71)
Puffed pack ignites during charging (77)
Puffed Pack smokes when punctured (79)
Nicked pack catches fire (87)
Plane crashes, battery catches fire (89)
Damaged pack catches fire (90)
Dog chews pack, chars pillow and smokes house - (95)
Battery compartment screw penetrates pack causing loss of plane (102)
Pack balloons dring mischarge, ignites when punchured (108)
Pack ignites 20 min after Heli crash (111)\
Nicked pack explodes in modelers hand (116)
Intentionally punctured LiPo burns (124)
Dented Heli pack burns i min after disconnecting- (137)
Poked Lipo burst into flame (140)
Lipo Shorted for 4 sec. 3 min later it burns (143)
Lipo catches fire after crash damage. (149)
Punctured lipo catches fire (151)
Crash causes fire (154)
Damaged pack catches fire in flight (156)
Dog bite shorts pack (161)
Lid of charging container pinches battery leads and ignites (168)
Dropped pack catches fire minutes later (173)
BATTERY SHORTED FIRES:
Shorted pack catches fire (26)
Pack burns after shorting (15)
Possible Short (38)
Shorted when moved on table (42)
Pack Shorted putting connector on and burns (45)
Shorted pack burns hole in BMW seat (48)
Crash causes 3s pack to short and burn (50)
Pack ignites sometime after connector shorted for a short time (85)
Lipo Shorted for 4 sec. 3 min later it burns (143)
CAUSE UNDETERMINED:
Multi cell pack catches fire in flight (5)
Possible over discharge (33)
Lipo pack catches fire in car (60)
2s pack starts house fire (84)
In flight F3A fire reported (92)
New pack partially burns sitting on desk (96)
Pack ignites with no known cause (97)
Pack ignites after soldering wires on (101)
Pack catches fire in pick up truck (105)
In Air ignition (125)
Pack ignites in pocket (132)
Pack ignites in car at 3AM (134)
Undamaged pack starts to burn in car (145)
Unconnected Pack sitting on bench burns over night (153)
In Flight Fire (155)
Pack ignites 2 hrs after charging not connected to anything. (160)
Unused, uncharged pack without connectors catches fire (164)
Lipo catches fire for no apparent reason (174)
Plane lands after short flight, battery disconnected, battery ignites shortly after (175)
OTHER
2s pack connected in series with 3s pack ignites in fireball (78)
Lipo burns garage (99)
Packs used in parallel catch fire in flight (110)
Too high current draw causes fire (128)