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Why Your Accounts Need Recall Coverage

• Typical product recall costs can range from $1M to $10M, not including intangible costs like reputation damage & lost market share
• Errors & omissions claims are increasing against insurance professionals who fail to recommend or adequately explain Product Recall coverage before a client experiences a recall
• 2024 saw the second highest number of recalls in six years according to Sedgwick’s 2025 U.S. Product Recall Index report
• Food & beverage, auto parts, electronics, & consumer products represent over 80% of total recalls in the U.S., putting clients in these sectors on the front lines of recall exposure
• Standard Product Liability does NOT equal Recall Coverage. Product Recall insurance is a unique product designed specifically for recall events.

Highlights of Kinsale’s Recall Coverages

• First-Party Recall Costs: Costs of getting products off the shelves, proper disposal, & notification logistics
• Reputation & Brand Protection: Costs for PR, marketing, & crisis management to restore brand reputation
• Third-Party Liability: Coverage for damages or financial losses of customers, including retailers or OEMs
• Consulting & Expert Fees: Coverage for costs associated with consultants, & expert legal teams
• Government-Ordered Recalls: Costs for complying with mandatory recalls by regulatory bodies like the FDA, NHTSA, or CPSC
• Replacement & Redistribution: Costs for manufacturing & introducing new products

Who Benefits from Product Recall Coverage

Product Recall coverage pairs perfectly with the importers, distributors, and manufacturers of consumer, commercial, and industrial products covered by other Kinsale Divisions, including:

Agribusiness Casualty

Products Liability

Life Sciences

Our Agribusiness Casualty Division provides General Liability for operations and manufacturers related to the agriculture industry. Target classes that benefit most from Product Recall include:

Kinsale’s Products Liability coverage focuses on importers, distributors, and most manufacturers of consumer, commercial, and industrial products, including:

Our Life Sciences team targets health-related products with General Liability and Professional Liability coverages. Target classes include:

• Commercial vegetable, fruit, & nut farming operations
• Livestock & poultry operations
• Meat & dairy processing facilities

• Cannabis dispensaries, distributors, & processors; includes plant oil processing & extraction equipment
• Consumer appliances & electronics
• Food & beverage processors, including pet food & treats
• Recreational & sporting goods, including motorcycles, scooters, & e-bikes
• Tobacco & e-cigarette manufacturers & importers

• Dietary supplements
• Durable medical equipment & medical devices
• Health & beauty products
• Pharmaceuticals
• Veterinary products