Stand-Alone Product Recall

Kinsale’s Recall Division writes Life Sciences and General Products sector consumable, commercial, and consumer goods. Our Recall Expense and Liability product fits a wide range of small to mid-size manufacturers and importers with $100,000 to $100,000,000 revenue. Our team specializes in creatively underwriting your hard to place Recall accounts and can offer unique coverages tailored to emerging risks.

Target Classes:

  • Aircraft and Drone Parts;
  • Blood and Tissue Banks;
  • Clothing;
  • Cannabis;
  • Consumer Electronics;
  • Electronic Cigarettes and Tobacco;
  • Firearms and Ammunition;
  • Food Products;
  • Pet Foods and Toys;
  • Pharmaceuticals and Nutraceuticals;
  • Sports and Recreation Goods;
  • Firearms and Ammunition;
  • Toys and Games;

Minimum Premium:

  • $1,000 – $250K/$500K;
  • $2,500 – $1M/$2M;

Policy Structure:

  • Claims-made with cut-off date Recall Liability and Recall Expense;
  • Policy Limits up to $2M available on primary basis;
  • 12, 24, and 36-month ERP options available;
  • Deductible and participation percentage options available.

Available Coverage Enhancements:

  • Optional Additional Coverage – Loss of Income due to Loss of Reputation with Optional Extra Brand Remediation Expenses
  • Optional Cyber Security Consultant Costs Endorsement for “smart” products and digitally connected medical devices.
  • Optional Fair Trade Recall Trigger Endorsement;
  • Optional Pre-Recall Monitoring Expenses Endorsement;
  • Optional Surgical Removal Costs Endorsement for implantable medical devices;
  • Self-initiated recall and government initiated recall triggers;

Submission Requirements:

  • Signed and dated Life Sciences Recall or General Product Recall supplemental application;
  • Five year currently valued company loss runs;
  • Copies of the following:
    • Any FDA, CPSC, or other government agency citations or recalls,
    • Current Declarations Page for cut-off date continuity;
    • Your product QA procedures and Recall plans,
    • Current Declarations Page;
  • Website information or product catalog.