What Is AIG?
AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. 1,2
What Is CFC Insurance?
CFC fits technology businesses seeking one eligible package for E&O, cyber, media/IP and general liability; buyers wanting to bind directly online should compare other routes. Its cyber policies may also include 24/7 incident support. 4,5,6,7
What Is Product Recall Insurance?
Product recall insurance can pay specified costs to locate and withdraw a product after a covered problem. It fits businesses that could face recall logistics; product liability does not automatically pay those costs, so compare the trigger and covered expenses. 9,10,11,12,13
Key Differences in Product Recall Insurance
Separate product routes
CFC underwrites a general product-recall policy for consumer products through automotive parts and a separate contaminated-product policy aimed at food and beverage businesses. AIG and Talbot describe product recall within a multinational risk solution for component makers, consumer goods and topical or consumer-health businesses, without identifying separate forms. A food producer should ask which CFC route applies and request AIG’s local food-specific terms. 3 8
Expense and business-continuity detail
CFC describes general recall cover for rectification costs, lost sales, ancillary expenses and reputation protection, including cyber-related tampering or software product-safety scenarios. Its food contamination form adds business interruption, reputation protection and contract-manufacturer errors. AIG and Talbot’s summary does not establish covered costs or triggers, so buyers need the local wording to compare those exposures. 3 8
Application route
CFC offers an online indication using three pieces of information and separate applications for general and contaminated-product policies. AIG and Talbot’s reviewed summary describes the multinational product but no application process. Ask which AIG team will handle your jurisdiction and what information is needed before comparing quote timelines. 3 8
What to Confirm in Product Recall Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
AIG
Review Score
2 rated sources
Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.[1][2]
Read AIG reviewsCFC
Review Score
The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.[4][11]
Read CFC reviewsOffering Details
AIG vs CFC: Product Recall Insurance: documented features by provider
| Criteria | AIG Multinational and Talbot Product Recall Insurance | CFC Product Recall Insurance |
|---|---|---|
| Role in This Line | The source attributes the product to collaboration between AIG Multinational and Talbot Underwriting. It does not resolve the legal issuing entity for a particular policy, so this draft preserves the collaboration boundary. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | CFC underwrites two related product recall lines: a contaminated product recall policy aimed at food and beverage businesses, and a broader product recall policy for consumer products through automotive parts. 8Company-reported. Product recall product page, which presents these as two separate downloadable products under one product line. |
| Issuing Insurer | Confirm in your quote. | The reviewed product recall page does not name the insurer or Lloyd's syndicate carrying the risk. CFC's regulatory page lists CFC-affiliated underwriting entities, including its own Lloyd's Syndicate 1988, but does not tie one specifically to product recall. 8,7Not publicly disclosed. Checked the product recall page and CFC's regulatory information page; neither names a product-recall-specific carrier. |
| Who It’s For | The summary sheet identifies component-part manufacturers, consumer-goods and topical/consumer-health businesses, and finished-goods supply-chain participants. It describes a multinational market, not unrestricted U.S. standalone eligibility. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Confirm in your quote. |
| Coverage Features | AIG and Talbot describe Product Recall Insurance within a multinational risk solution. The sheet does not establish a buyer’s recall trigger, covered costs, limits, exclusions or policy issuer for a local placement. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | The general product recall policy covers rectification costs, loss of sales, ancillary costs, and reputation protection across recall scenarios that CFC says include cyber-related product tampering and software product safety issues. 8Company-reported. Product recall description on the product page; exact terms are set by the policy as issued. The separate contaminated product recall policy is built for food and beverage products and includes business interruption cover, reputation protection, and cover for errors made by contract manufacturers. 8Company-reported. Contaminated product recall description on the product page. CFC frames recall costs in three stages it says the policy is meant to help with: identifying the issue (testing, consultants, halting production), conducting the recall (consumer notices, transport and disposal, retailer fees, crisis PR), and business continuity (lost sales, cancelled contracts, replacing suppliers). 8Company-reported. Cost-category breakdown on the product page; this describes the categories of exposure CFC highlights, not a line-by-line coverage grant. |
| Limits and Retentions | The reviewed summary sheet does not specify a standard limit, retention or deductible for a buyer. Confirm the local policy, issuer and terms for the transaction. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | The reviewed product recall page does not publish limit amounts, retentions, or maximum revenue eligibility for either product recall offering. 8Not found in reviewed sources. Product recall page checked on 2026-09-23; no numeric limit or eligibility figures appear on the page. |
| Risk Services | The summary sheet describes an integrated multinational service team, local policy and claims handling through network participants, and risk engineering support. The specific service provider depends on the placement and jurisdiction. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | CFC offers a quick online indication for product recall insurance using three pieces of information, and publishes separate downloadable application forms for the contaminated product recall and general product recall products. 8Company-reported. Product page indication call to action and downloads section. |
Full Comparison
More AIG vs CFC Comparisons
Other Product Recall Insurance Comparisons
Sources
AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- AIG Multinational Product Recall Summary Sheet. AIG; AIG/Talbot official summary sheet, pages 1–2: names the AIG Multinational and Talbot Underwriting collaboration and Product Recall Insurance for component parts, consumer goods/topical and consumer health, and finished goods; describes global program servicing and policy issuing network caveats. Accessed 2026-09-30.
CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
- Product Recall Insurance | Product Contamination Insurance | CFC. CFC; Contaminated product recall; Product recall; What does CFC's product recall policy cover?; Downloads for both products. Accessed 2026-09-23.
Product Recall Insurance Guide
- Product liability, recall and contamination insurance. Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
- Facts + Statistics: Product liability. Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO Properties, Inc.; specimen hosted by Hiscox; Recall exclusion p.5; Supplementary Payments pp.8–9; Section III limits p.10; V.16 and V.21 p.15, warnings/instructions continue p.16. Accessed 2026-09-16.
- Recall Checklist. U.S. Consumer Product Safety Commission; Initiating a Recall (report if obligated; stop production; identify UPC/date codes/model numbers; isolate inventory; notify distribution chain; determine remedy); Recall Notice Documents; After the Public Announcement. Accessed 2026-09-16.
- Duty to Report to CPSC: Rights and Responsibilities of Businesses. U.S. Consumer Product Safety Commission; Immediate reporting triggers for manufacturers, importers, distributors and/or retailers; 24-hour reporting; investigation generally not exceeding 10 working days; reporting does not automatically mean a recall; page disclaimer that it is not legal advice and is not Commission-approved. Accessed 2026-09-16.
