Product Recall
XL Catlin offers a suite of product recall insurance options. Coverage is available for a broad range of food and non-food companies.

Product details


Primary: up to USD/EUR 50 million


XL Catlin helps businesses react and recover quickly if they need to recall a product because of a fault or contamination. We work with key consumer sectors including automotive, consumer products, pharmaceuticals, food and restaurants. As well as covering recall costs, we can also provide expert crisis management advice and consultancy if needed.

Our appetite:
  • Product recall expenses, such as disposal, replacement, advertising and transport
  • Pre-recall expenses
  • Third party recall expenses
  • Government recalls
  • Business interruption
  • Loss of gross profits/revenue
  • Accidental contamination
  • Product rehabilitation
  • Increased cost of working after a recall
  • Extortion demands related to malicious tampering
  • Terrorism cover
  • Consultancy costs

Client Profiles

  • Food and drink companies, from small turnover to Fortune 500 / FTSE 100
  • End product consumer goods companies
  • Non-food
  • Manufacturers
  • Retailers
  • Wholesalers
  • Importers and exporters for topical and ingestible products, including food, drink, cosmetics, domestic pet food and tobacco.

Typical Information Required

  • XL Catlin's Insurance segment application – Company information and financials
  • Recall/crisis and quality assurance plans
  • “indication only” form (for rough indicative pricing)

Benefits & Services

  • 24/7 pre-incident consultant and crisis response
  • Worldwide
  • Primary, excess of loss and quota share participation
  • Financial strength to help protect balance sheets
  • Dedicated industry expertise with an average of 20+ years of industry-specific risk management experience
  • Risk engineering services and programs
  • Global claims network
  • Price competitiveness

Attachment Point

Primary and excess

Information & Research

Information and Research

Automotive Components Recall

Consumer Products Recall

Product Contamination London Market

Restaurant Contamination

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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