Product Recall
Consumable Products

Insurance for the Consumables Industry

Product Recall Insurance for Consumable Products is designed to cover ingestible and topical products for human use or consumption, such as food & beverages, cosmetics, tobacco and pharmaceuticals.

We recommend coverage for any company that is involved in any part of the production or distribution of a consumable product.

Product Recall Insurance for Consumable Products

  • Coverage: Non-admitted through appointed brokers
  • Capacity: $15,000,000 primary or excess
  • Coverage Territory: Worldwide for U.S. domiciled risks
  • Minimum Premium: $5,000
  • SIR: $5,000 minimum for primary coverage

To learn more, download our product sheet or contact our underwriters.

Product Recall Insurance for Consumable Products


  • Manufacturers
  • Processors
  • Ingredient Suppliers
  • Packagers
  • Co-packers
  • Bottlers
  • Importers
  • Distributors
  • Wholesalers

For additional information, see our product sheet or contact our underwriters.

Coverage Highlights

Our Product Recall Insurance for Consumable Products standard policy wording includes:

  • Recall Costs, including third party recall costs
  • Consultant Costs
  • Pre-incident Costs

We offer a full array of endorsements that enable us to customize coverage for each client’s needs and address the risks most applicable to their business.

  • First Party Endorsements
  • Additional Triggers
  • Third Party Endorsements

For details, see our product sheet or contact our underwriters.

Risk Engineering Services

Our Product Recall team has in-house risk engineering staff with over 30 years of experience in quality, safety, regulatory compliance, and the manufacturing of food, beverages and ingredients.

Our in-depth understanding of the complexities of the food industry make us a vital resource for our underwriters, brokers and clients and enable us to provide hazard-reducing strategies and meaningful business and brand protection. We also partner with world-class external consultants, which assist policyholders during product recall events as well as through pre-incident loss mitigation services.

To learn more about Risk Engineering, email Laura is Hazard Analysis Critical Control Point (HACCP) certified and a Preventive Controls Qualified Individual (PCQI) and lead trainer.


This overview is provided for informational purposes only and is not intended to be a representation of coverage that may exist in any particular situation under a policy issued by one of the companies within Crum & Forster. All conditions of coverage, terms and limitations are defined and provided for in the policy.