Whether accidental or otherwise, product contamination requires special coverage from a skilled team

Our program provides comprehensive protection for manufacturers, wholesalers, retailers, importers, and distributors to manage threats to their products, brands and financial strength.

As your trusted risk mitigation partner, our specialists tailor coverage that helps businesses manage the unique threats they face, including accidental contamination, malicious tampering, product extortion, government recall and adverse publicity. With leaner supply chains and global distribution disruptions increasing recall risks – particularly in the food and beverage industries – our coverage ensures a safeguarded reputation and bottom line.

Key features

  • Worldwide coverage
  • 24/7 access to DUAL-retained consultant Crisis 24 through Crisis Response Hotline
  • Pre-incident consulting services
  • Primary and excess capacity available
  • Dedicated claims management
  • Access to a diversified, financially sound carrier capacity in a single transaction
  • Minimum SIR of $5,000

Target classes

  • Snack foods

  • Soups, sauces, dressings, and canned goods

  • Confectionary products and baked goods

  • Dairy products

  • Produce including growers, coops, marketers, and distributors

  • Ingredients and flavoring

  • Meat and seafood products

  • OTC pharmaceuticals, nutraceuticals, and supplements

  • Cosmetics, personal care, and hygiene products

  • Beverages including alcoholic and carbonated

  • Pet food

Coverages available

Insured event triggers

  • Impairment
  • Intentionally impaired ingredients
  • Government recall
  • Malicious product tampering
  • Product extortion
  • Adverse publicity

Covered losses include:

  • Crisis consultancy costs
  • Loss of gross profit
  • Recall costs
  • Extortion costs
  • Rehabilitation costs
  • Forensic accounting
  • Investigation costs
  • Third party recall liabilty damages
  • Product extortion costs
  • Extra expense
  • Replacement costs

Additional coverages

  • Third-party recall liability
  • Product refusal with our without loss of gross profit
  • Workplace violence
  • Additional endorsements available upon request
Product contamination

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