For manufacturers, retailers and distributors of topical or ingestible products: food, drinks, cosmetics, pharmaceuticals and tobacco. Covers losses from accidental or unintentional contamination, impairment or mislabelling from production to sale that could result in harm to users within 120 days of contact. Also covers actual, alleged or threatened, intentional tampering with the product to make it harmful and threats to tamper with a product in order to extort money. Covered costs include:
- Recall costs
- Business interruption (lost gross profit)
- Rehabilitation costs
- Consultancy costs
- Adverse publicity (optional)
