Product Recall Insurance

When the product comes back, the costs go out. Cover them.

A recall's costs land before any injury claim: notification, shipping, destruction, extra staff, crisis communications, and the contracts you lose while shelves sit empty. Product liability doesn't pay for any of that — recall coverage exists precisely because of the gap.

We arrange recall expense coverage for manufacturers, food producers, and importers, standalone or alongside product liability.

What's covered

Customer and regulator notification costs
Product retrieval, shipping, and warehousing
Destruction and disposal of affected product
Extra staffing and consultant costs during the recall
Crisis communications and brand response
Lost profit extensions where available

Good to know

Frequently asked questions

What triggers recall coverage?: Typically a defect or contamination that could cause injury or illness — including regulator-initiated recalls (CFIA, Health Canada). Voluntary precautionary recalls can be covered depending on wording; we'll walk through the triggers.
My retail contract requires recall insurance — is that common?: Yes, and growing — major grocers and retailers increasingly require recall coverage from suppliers as a condition of listing. We arrange certificates that satisfy the vendor agreement.
How is recall different from product liability?: Liability pays third parties who were harmed; recall pays your own costs of getting product back before more harm happens. A serious event uses both — carrying only one leaves half the bill uncovered.

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Frequently asked questions

What triggers recall coverage?

Typically a defect or contamination that could cause injury or illness — including regulator-initiated recalls (CFIA, Health Canada). Voluntary precautionary recalls can be covered depending on wording; we'll walk through the triggers.

My retail contract requires recall insurance — is that common?

Yes, and growing — major grocers and retailers increasingly require recall coverage from suppliers as a condition of listing. We arrange certificates that satisfy the vendor agreement.

How is recall different from product liability?

Liability pays third parties who were harmed; recall pays your own costs of getting product back before more harm happens. A serious event uses both — carrying only one leaves half the bill uncovered.