Product Contamination
XL Catlin offers product contamination insurance for accidental and malicious contamination and extortion demands. Policyholders have access to Response XL, our dedicated crisis management service.

Product details


Typically up to USD 25 million but varies by attachment point and nature of risk


– Pre-recall expenses
– Recall expenses
– Third-party recall expenses
– Loss of gross profits
– Rehabilitation expenses
– Increased cost of working
– Government recall
– Adverse publicity
– Customer loss of profit

Client Profiles

– Food and drink
– Pet food
– Tobacco
– Personal care and household products 
– From small and upper middle market to multinational

Typical Information Required

– Completed XL Catlin's Insurance segment application 
– Details on food safety
– Recall/crisis plans

Benefits & Services

– Coverage applies worldwide 
– Primary, excess of loss and quota share participation 
– Global claims network
Response XL: 24/7 crisis response from a dedicated network of consultants in areas such as food safety, public relations, security consulting and regulatory advice.

Information & Research

Response XL is a dedicated network of crisis management consultants made available to policyholders 24/7.

Response XL: Crisis Consulting

Attachment Point

Bermuda excess: minimum USD 10 million

Minimum Deductible

Primary: USD 10,000

Minimum Premium

USD 10,000

This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Products are subject to legal and underwriting requirements. Coverages may not be available in all jurisdictions, including without limitation any jurisdiction within the United States, and may be available only through appropriately licensed producers. In addition, GAPS’s provision of publications or services is not an indication of the existence or availability under any policy of coverage for any particular property or type of loss or damage. Policies underwritten from Bermuda, Brazil, Canada, China, Mexico, Switzerland, or written by XL Insurance Company SE are only available through non US-based brokers. The Insurance companies of XL Group Ltd are: Catlin Insurance Company, Inc., Catlin Indemnity Company, Catlin Specialty Insurance Company, Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Bermuda Ltd, XL Insurance Company SE, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Seguros Brasil S.A. and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #2003 are managed by Catlin Underwriting Agencies Limited and supported by XL Catlin corporate capital. Additional important information regarding our business is provided on our Legal Notices page.

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