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.

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