Product Recall

Kinsale’s Product 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-midsize manufacturers and importers with $100,000 to $500,000,000 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 Premiums:

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

Primary Policy Structure:

  • Claims-Made with cut-off date Recall Liability and Recall Expense
  • Policy limits up to $5M
  • Deductible and participation percentage options available

Excess Policy Structure:

  • Follow-Form coverage
  • Up to $5M in capacity
  • Available on an unsupported basis

Primary 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