Remember, UL is Underwriter's Laboratories--It grew out of insurance companies looking to reduce their losses.
Quote:
Underwriters Laboratories Inc. (UL) is an independent, not-for-profit product-safety testing and certification organization. We have tested products for public safety for more than a century.
They have no authority to place anyone in jail. And, if you don't like UL, there are other companies that do it cheaper--and will not have the understanding of what they are approving--so they are easier to get marks from.
Generally, UL (CSA, ETL, etc.) is useful to companies because it is a good start for a defense in a product liability case. If you follow their rules and procedures, then you followed best industry practices and it will be very hard for somebody to win a judgement against you...
The other place where UL is enforced is through building codes, fire codes, and local cities who write NRTL requirements into their laws and ordinances.
When I worked on DC equipment a couple decades ago, the UL requirements were sometimes silly or even in direct conflict with other requirements (like Bellcore--the Telephone Company's own internal requirements organization).
In the end, if your cabin burns down and you want to collect on the insurance and the company finds that you did not follow code requirements, then they probably will not pay off on the claim.
If a fireman or child is killed in a forest fire started by your cabin--I am sure that somebody will attempt to hold you legally responsible for all of the damage and death from that fire.
Part of UL that most people don't see (and may not understand) is their practise of traceability and inter-compatibility... If I buy wire that has UL marks on it--I don't have to go any further back in the supply chain to prove that I used wire that had good insulation. There were a few times when I had to use (or was going to use--don't remember now) something that did not have traceability. It was (going to be?) a big pain in the butt to prove that the part was good every time a UL inspector came by the factory because I would have to prove that every lot had the right materials in it.
Anyway, getting NRTL compliance is a pain, maintaining NRTL is a pain, working with NRTL inspectors is a pain, losing a lawsuit can put me out of business or stop production of a product. Overall, safety has been dramatically improved on products used here in the US.
If you don't believe so, look at some of the non-NRTL listed products that you can sometimes buy in flea markets from overseas and look at how many ways they can fail (I had purchased a variac for our test bench--from a reputable electronics supply company--the variac failed three different ways in the two months that I used it--I had to keep fixing it and re-engineer parts of it to prevent shock/fire).
-Bill