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
  • Toys and Games.

Minimum Premium:

  • $1,000 – $250K/$250K
  • $1,500 – $1M/$2M
  • $10,000-$5M/$5M

Policy Structure:

  • Claims-made with cut-off date Recall Liability and Recall Expense
  • Policy Limits up to $5M available on primary basis
  • 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
  • Worldwide Coverage

Submission Requirements:

  • Signed and dated Product Recall supplemental application
  • Five year currently valued Product Recall and General Liability company loss runs
  • Copies of the following:
    • Any FDA, CPSC, or other government agency citations or recalls
    • Your product QA procedures and Recall plans
    • Current Declarations Page
  • Website information or product catalog