If you purchase a SWG 4HD from Liesure Line or from Alaska (i have personally looked at the units in the boxes) there is no apparent difference form the unit I purchased at the plumbing supply house (at least not as can be noticed outwardly or by part marking). I would not recommend purchasing a unit that would cause a problem with your insurance company.
My unit has not been inspected by my insurance agent (State Farm) so I cannot say if it would be approved. So basically I could be self insured when it comes to a coal stove related fire (I checked with my agent and he said chances are no problem with use of a coal stove, unless of course they can prove I caused the fire). I choose to use common sense and a fair amount of self reliance, others may want to do as they feel is right for them.
Also the Authority having Jurisdiction (probably your local Fire Chief) has the final vote as to conformance to NFPA and related fire safety rules and regulations.
Thanks Yanche for adding a note of caution to this thread. When dispensing or using advice on this forum it is always best to remember, you get what you pay for.