Product Recall & Contaminated Products Insurance

We have innovative insurance solutions to provide coverage for a diverse range of food and consumer products at all levels of the supply chain, from ingredients and components to finished goods. Based on the type of product and exposure, we can help customize coverage to meet your specific needs, which can include:

Product Recall 

• Product Recall Expense Coverage – can provide coverage for recall, removal, and recovery of your product from consumers or distributors because use or consumption poses actual and imminent danger that may result in bodily injury or property damage. 
• Product Recall 3rd Party Liability – can provide coverage for 3rd party liability damages for actual injury or economic loss and defense costs resulting from investigation, negotiation, and settlement of claims. 
• Manufacturers Errors & Omissions – can pay for compensatory damages resulting from an error or omission committed or alleged in the manufacturing process of your products. 
• Impaired Property – can provide recall, removal, recovery, and disposal of your products resulting in actual or imminent property damage, or impaired property. Impaired Property is tangible property of others that cannot be used because it incorporates your product. 
• Customer Loss of Gross Earnings – can provide reimbursement for product recall expenses and customer loss of gross earning due to covered incidents.

Contaminated Products 

• Accidental Contamination – can cover inadvertent or unintentional contamination or mislabeling of products that occurs during or as a direct result of its production, preparation, manufacturing, or distribution, where use or consumption may result in bodily injury or property damage. 
• Malicious Product Tampering – can cover the actual, alleged, threatened, or intentional malicious contamination of your products, by your employee or others, when use or consumption may result in bodily injury or property damage. 
• Product Extortion – can cover threats to commit a malicious product tampering of a product for the purpose of demanding extortion monies.

Through a strategic worldwide partnership, we offer a wide range of product safety services to help clients minimize risk while maximizing preparedness and crisis response. 

• Risk Prevention Services – crisis management plan development, simulation exercises, interactive workshops, online gap analysis, on-site risk assessments, program review, and development. 
• Incident Response and Crisis Support – product recall and traceability, product testing, regulatory support, crisis team support, crisis communications, technical product expertise, malicious investigation and support, and reverse logistics.