At least in the US, if you didn't put a stern warning about doing up the zipper/velcro in the vest's instruction manual, I'd be willing to bet there'd be plent

At least in the US, if you didn't put a stern warning about doing up the zipper/velcro in the vest's instruction manual, I'd be willing to bet there'd be plenty of lawyers who would gladly sue you on behalf of Mr. Smith's estate. Sadly, there would probably be some juries who would find in the estate's favor, too.