DUAL Group
Austria
Finland
France
Germany
Ireland
Italy
Netherlands
Spain
Sweden
Switzerland
United Kingdom
Europe
Australia
Hong Kong
New Zealand
Singapore
USA
Product Contamination insurance
Comprehensive protection against contaminated product risk
Product Contamination insurance is a specialised insurance coverage that shields businesses from financial losses arising from contamination of their products, whether accidental or malicious.
It covers contamination costs, regulatory fines, third-party liabilities, and crisis management services.
Key benefits
Tailored wordings designed for contamination events
DUAL Product Contamination Insurance provides specialised policy language around contamination events. Insured events include:
- Impairment
- Intentionally impaired ingredients
- Government recalls
- Malicious product tampering
- Product extortion
- Adverse publicity
24/7 crisis support, all over the world
Access our crisis management services to mitigate risks and manage reputational damage effectively. In urgent situations, your clients can access round-the-clock crisis support from Crisis 24.
Risk management and contingency planning
We offer pre-incident risk management support to help clients prepare for and survive events, including training scenarios, PR briefings, and crisis simulations.
What DUAL Product Contamination insurance covers
Recall of contaminated products
Coverage for the expenses of recalling or replacement costs of contaminated products from the market.
Legal and regulatory fees
Financial protection against legal actions, investigation costs and fines from regulatory bodies
Business reputation management
Access to crisis management services to support risk mitigation and reputational damage.
Malicious tampering and extortion
DUAL policies cover tampering, sabotage, and extortion scenarios.
Crisis management support
24/7 help for companies navigate a contamination crisis quickly and effectively, provided by Crisis 24.
What’s not covered:
- Contamination due to negligence or lack of due diligence
- Pre-existing contamination issues or undisclosed risks
- Contamination caused by product misuse after distribution
- Losses resulting from product defects unrelated to contamination
- Claims arising from product liability outside contamination scope
Why choose DUAL?
Specialist underwriters with deep expertise
Our Product Contamination underwriters provide bespoke cover to meet your clients' needs, and provide clear guidance on industry-specific contamination risks.
Built for speed
Our tech-enabled underwriting process ensures swift decisions and tailored terms, allowing you to offer competitive and effective solutions to your clients.
Quality claims handling
Fast, efficient and fair – we design our claims processes to make life as easy as possible for you.
Risk appetite
DUAL provides Product Contamination insurance to businesses across multiple industries.
Wholesalers
Retailers
Importers
Distributors
Food and beverage companies
Including snack foods, dairy products, meat, seafood, etc.
Cosmetics
Including personal care and hygiene products.
Pharmaceuticals
Including OTC, nutraceuticals, and supplements.
Pet food producers
Beverage companies
Including alcoholic and carbonated drinks.
Suppliers of ingredients and flavourings
Confectionery products
Including baked goods manufacturers.
Agricultural producers
Including co-ops, marketers, and distributors.
Underwriting requirements
We’ll ask for the following client information:
- Company details
- Product lines
- Previous contamination history
- Risk management procedures
- Any known product issues
For renewals, we’ll need to know about any changes to products or operations in the last 12 months. For specific requirements, please get in touch.