For the BMS/Charger, using an IC and associated reference design would be more common than using a CoTS module for a mass produced gadget. However, for prototyping and proof-of-concept of the product (I assume you haven't built/tested the idea yet) you'll probably want to start with a module. There are many, many BMS-Charger ICs and modules available but I'm not sure which one is best for your requirements.
For liability, there are plenty of standards and external independent testing/certification that will be required whether you want it or not to ensure your product is safe and allowed on transport and on the market. You can have a check on UL for some US specific standards for free otherwise most of them are paywalled.
I do recommend doing some research and learning on "hardware product development" in general so you have an idea of likely challenges and typical successful roadmaps.