Product Recall & Contaminated Products Insurance

Product Recall insurance can help a company recover from financial loss due to the recall of a defective or unsafe product from consumers or distributors, while Contaminated Products insurance addresses accidental or malicious tampering of products that could result in bodily injury or property damage losses.

Product Recall & Contaminated Products Insurance Expertise


Berkley’s dedicated professionals can help businesses prepare to protect their finances and reputation from product recall and contamination events, including supply chain interruptions and regulatory requirements. We offer a broad suite of insurance products tailored to fit your specific needs and a variety of pre-incident risk mitigation services.

Check out our Berkley Locator to discover which Berkley insurance business may be right for your Product Recall and Contaminated Product insurance needs.

Helping to Protect Your Reputation and Financial Stability

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.
Berkley Locator

Find your Berkley solution

If you have specific product or industry needs, use the Berkley Locator to find specialized insurance solutions for you.

What Our Customers Say

“I was very fortunate to have Preferred Employers Insurance take over my case. I was at a standstill until their team started handling my situation. The company is great at what they do and anyone else who has the pleasure of working with them will find out the same! Thanks again so very much!”

— Frank V.

Waste Water Operator, Planada Community Service District.

“Berkley One has been amazing!!! You have really gone above and beyond for us and made this very annoying accident as easy as possible.”

— Amy G.

Client in Illinois.

“I am incredibly pleased with the claim management, guidance, consult calls and quality of service we receive from Midwest Employers Casualty. The team is committed to prompt and efficient service - and is readily available for consult calls. The process is effortless, efficient, seamless and productive.”

— Tawanna B.

Senior Benefits Manager, Blue Cross Blue Shield of Michigan.

“Our Berkley Environmental Claims Adjustor has been incredibly responsive to us, and has clearly taken the time to research the particulars of this claim. She has contacted and spoken with our client, and has explained to him and to us what she has been able to determine from her thorough research of the information presented so far in this claim. I am thankful that we have a competent, professional, dedicated, and pleasant-to-work-with adjuster in our corner.”

— Mary F.

Business Manager, Tech Painting Co.