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Knowing you have a team of experts across the UK, who understand your complex risks and can help you face them with confidence is more important now than ever before. 

Contaminated Products and Recall

Does your product liability insurance cover the real costs of a product recall?  

Product recalls present real threats to retailers and manufacturers:  loss of sales, customer confidence, hard-won retail shelf space, and supply contracts. Skilful handling of a recall can minimise damage demonstrating reliability and professionalism to wholesale and retail connections.

Contaminated Products

Covers losses arising from

Accidental or unintentional contamination, impairment or mislabelling resulting from any stage from production to sale that could result in harm to users within 120 days of contact

Actual, alleged or threatened, intentional tampering with the product to make it harmful

Threats to tamper with a product in order to extort money

Policy covers

  • Recall costs
  • Business interruption (lost gross profit)
  • Rehabilitation costs
  • Consultancy costs
  • Adverse publicity (optional)

Who is it for?

Food, drink, tobacco, cosmetics and pharmaceutical companies.

Defective Products

Covers losses arising from

  • Accidental omission, introduction or substitution of components or substances
  • Errors occurring in any stage from design, through to labelling and storage
  • Intentional damage that could cause the product the product to be harmful

Policy covers

The policy covers costs to inspect, withdraw, or destroy the product incurred within 12 months after the recall, including:

  • Communication (radio, TV, Internet, ads…)
  • Shipping from purchaser, distributor or user
  • Overtime and additional personnel costs
  • Storage costs and cost of disposal
  • Redistribution
  • Independent Security, PR or Recall Consultants

Who is it for?

Manufacturers of a wide range of finished goods.

Related Documents

Get Contaminated Products and Recall documents