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For companies that manufacture or sell any consumable or topical product for humans, we can provide flexible product recall insurance coverage.

Coverage Highlights

Coverages
  • Coverages are made-to-order allowing policyholders to select "add-on" coverages based on what they need to have, what they would like to have, or their budget.
  • Crisis consultants available 24/7 via our emergency hotline.
Minimums
  • $5,000 minimum SIR
  • $2,500 minimum SIR for small businesses
Limits

Chubb's Product Recall unit has $5 million in limits available on a primary or excess basis. Additional capacity may be considrered on a case by case basis.

Client Profile

On a primary basis we are focusing on companies with sales up to $1 billion. Companies with sales in excess of $1 billion will be considered with either a high self-insured retention or on an excess basis.

For consumable products (everything ingestible and topical and for human consumption) the target industries are food & beverage companies, cosmetics, tobacco, and pharmaceuticals.

Restricted Classes
  • Nutraceuticals (incl. dietary supplements)
  • Animal feed / Pet food
  • Marijuana / CBD
  • Energy drinks
Specialized Businesses, should have Specialized Consultants

Businesses have 24/7 access to a network of specialized product recall consultants on a post incident basis. Our group of experts are leading industry professionals who are familiar with the regulatory challenges and nuance of the product recall market.

Forms/Applications

Application

Recall Plus® Consumable Products Application

Form

Product Recall Consumable Products Policy Form

Available Endorsements

The base policy wording includes recall costs, consultant costs, and defense costs, and all other coverages can be added on via endorsement.

Consequential Damages

Extortion Costs

Extra Expense

Business Interruption

Brand Rehabilitation Expenses

Replacement Cost

Adverse Publicity

Please send submissions to: productrecall@chubb.com