Product Recall Insurance

A Dedicated and Experienced in House Claims Team

We create insurance solutions to meet your needs

Assistance with Risk Management

Expert Advice from Over 60 Years of Experience

Any business selling goods to the public, particularly those in the food and drink industry, need to be aware of the risks associated with product recall. Is your business protected with product recall insurance?

Many industry sectors encounter the risk of a product recall. This is where a business's goods are recalled from the market due to potential safety risks. This could be down to contamination, defective products, product tampering or suspicion of such, or legal action under copyright laws. A product recall can find businesses making costly payments, and it is a complex, time-consuming process. It can also be detrimental to the reputation of your brand, it must not be confused with Products Guarantee insurance.

Various different industries are at risk of a product recall, including the food and beverage industry, restaurants, pharmaceuticals, automotive, fashion and consumer goods. Having Product Recall Insurance can be the essential step to covering your business and may be a contractual requirement of your customers.

What is Product Recall Insurance?

Product recall insurance protects businesses from first and third-party losses associated with products that have been recalled and covers costs such as direct recall costs, replacement costs, replacement costs, loss of revenue, contract consultancy costs and third-party financial loss usually purchased Product Recall insurance. 

First party recall is where the policyholder does the recall and has full control. That control is usually with the guidance of the insurer and often that guidance is a condition of the cover. 

Third party recall is where a third party decides on or organises the recall and then advises the supplier. 

What is the difference between Product Liability and Product Recall Insurance?

Product recall is often confused with product liability and Product Guarantee. These are very different insurances that cover different risks. 

Product recall covers not just the cost of recalling the damaged or contaminated products from the market but also all the direct expenses associated with that product recall. Product recall policies can also be extended to cover business interruption losses or damage to brand reputation/rehabilitation expenses. 

Products Liability covers only the claim and suits arising from a defective product that a company has sold. This is usually only triggered following property damage or injury caused by the product. 

Product Guarantee covers the actual replacement or repair of the defective product

L Wood can help find product recall insurance that can prevent your business from risks and cover any damages to your business and its reputation.

Contact us at 01274 515747 or email us at to see how we can support you with product recall insurance.


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