Products General Liability & Business Personal Property

Product Recall

Kinsale’s Products Liability Division provides Product Recall Expense and Recall Liability coverage for small to midsize manufacturers, importers, and distributors across a wide range of consumer goods and consumable products. From standard manufacturing to emerging trends, our coverages are tailored to the unique needs of Agribusiness, General Products, and Life Sciences risks with $100,000 to $500M in revenue.

Backed by fast quotes, creative underwriting, and best-in-class service, Product Recall is a natural complement to Products Liability. Policies can cover first-party recall expenses, including replacement costs and brand protection, as well as third-party recall liability for damage or financial loss to customers, retailers, or OEMs.

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Policy Structure:

• Commercial General Liability
• Business Personal Property up to $500k (building contents only)

Minimum Premiums:

• $2,500 for General Liability ($1,500 for select exposures)
• Starting at $500 for Business Personal Property

Submission Requirements:

• Acceptable Commercial & General Liability applications with protection class, construction type, & list/description of contents
• Five-year currently valued property-specific loss runs