Amelia Risk vs Chubb: How Do They Compare for Product Recall Insurance?

Amelia Risk is a broker that compares insurers for you, since recall policy scope varies widely; Chubb's Recall Plus for consumer goods has $5 million in limits and minimum retentions of $5,000 ($2,500 for small businesses).

Amelia Risk compares variable recall forms across insurers; Chubb Recall Plus publishes $5 million limits for eligible finished consumer goods with restricted classes. ^1,^2,⁴

What Are the Key Differences Between Amelia Risk and Chubb Product Recall Insurance?

Who Carries the Risk

Chubb lists minimum retentions and targets sales up to $1 billion, with restrictions including drop-side cribs, e-cigarettes and third-party components. Amelia Risk’s process can compare different insurers, but its page does not set a standard form. Ask both about the exact product class, retention and recall trigger. ¹ ⁴

Limits, Sales Band and Restricted Classes

Amelia Risk does not publish dollar limits; it notes that recall forms differ widely by insurer. Chubb publishes a $5,000 minimum self-insured retention ($2,500 for small businesses) and $5 million in limits available primary and excess, with more capacity considered case by case. Chubb primarily targets companies with sales up to $1 billion and restricts drop-side cribs, e-cigarettes, fireworks, and products incorporated as a component of a third party’s goods. ² ⁴

Consultants and Buying Path

Amelia Risk walks through brand risk tolerance, product type, batch sizes and distribution, then advocates at claims as part of its general brokerage process. Chubb says coverages are selected as add-ons by need or budget and offers 24/7 crisis consultants through an emergency hotline, with a published Recall Plus application for non-food products. ¹ ³ ⁴

What Should You Confirm in Amelia Risk and Chubb Product Recall Insurance Quotes?

If you supply components used in another company’s finished goods, ask whether Chubb’s restricted-class rule applies and whether Amelia Risk will shop a third-party recall market instead. ⁴ ¹
Ask Chubb for the primary limit, excess layers and the retention that applies to your sales size. ⁴
Ask Amelia Risk which carriers it used and whether government-mandated recall and vendor income are included. ¹
Confirm how crisis-consultant access is granted on each quote—Chubb’s 24/7 hotline versus whatever the Amelia-placed form provides. ⁴ ¹

Amelia Risk vs Chubb Product Recall Insurance Compared

Amelia Risk vs Chubb: Product Recall Insurance: documented features by provider

Criteria	Product Recall	Chubb Recall Plus for Consumer Goods
Who It’s For	Amelia Risk says whether a company should buy product recall coverage varies and depends on the brand's risk tolerance, the type of product, and factors like batch sizes and distribution channels. ¹Company-reported. Product Recall page's "When should a company buy" section; general purchase-timing guidance, not eligibility criteria for underwriting.	Chubb primarily targets companies with sales up to $1 billion; companies above $1 billion are considered with a high self-insured retention or on an excess basis. Target risks include manufacturers, importers, distributors, wholesalers and retailers of finished consumer products such as appliances, electronics, clothing, furniture, household goods, children's products and sporting goods. ⁴Company-reported. Client Profile section.
How to Apply	Amelia Risk's stated process for arranging coverage, including product recall, starts with gathering information about the company, then approaching multiple insurers, reviewing the resulting quotes with the client, and letting the client decide how to proceed. ³Company-reported. Specialties page's four numbered steps; describes the firm's general placement workflow, not a product-recall-specific application form.	Chubb publishes a Recall Plus application for non-food products and provides an email address for product-recall insurance questions. ⁴Company-reported. Related Resources and Contact sections.
Coverage Features	Amelia Risk says a product recall policy can cover the costs to recall, destroy and replace product, plus public relations expenses, investigation costs, government-mandated recalls, the client's own loss of income, and often a vendor's loss of income tied to the recall. ¹Company-reported. Product Recall page's coverage list; a general description of the coverage type, not a specimen policy form or a specific insurer's wording. Amelia Risk says product recall policies are not standardized, so the scope of coverage can be very broad or very narrow depending on the insurer, and recommends working with a broker who knows the space well. ²Company-reported. CPG page's product recall discussion; a general statement about the product-recall market rather than a specific policy comparison. Amelia Risk distinguishes product recall from product liability: recall insurance pays the costs and expenses of pulling a product from the market, while product liability covers third-party bodily-injury or property-damage claims caused by the product; the two are separate policies that can both respond to the same contamination event. ²Company-reported. CPG page FAQ 2. Also notes that some general liability policies include only low sublimits for recall, not a substitute for a dedicated recall policy.	Chubb says coverages are made-to-order, letting policyholders select add-on coverages based on need or budget, and offers crisis consultants available 24/7 via an emergency hotline. ⁴Company-reported. Coverage Highlights section; subject to the policy as issued. Chubb restricts this product for drop-side cribs, e-cigarettes, fireworks, and products that are incorporated as a component of a third party's products or goods. ⁴Company-reported. Restricted Classes list.
Role in This Line	Amelia Risk brokers product recall insurance and describes itself acting as the client's broker to help evaluate whether and how much recall coverage to buy, rather than underwriting the policy itself. ¹Company-reported. Product Recall page's closing sentence, "As your broker, we help walk through these factors." Does not name the issuing insurer for a given placement.	Chubb underwrites product recall insurance directly through Recall Plus for Consumer Goods, aimed at both new and established business owners producing consumer goods. ⁴Company-reported. Recall Plus for Consumer Goods product page.
Risk Services	Amelia Risk says it helps clients walk through the risk factors relevant to product recall (product type, batch size, distribution channels, risk tolerance) and come up with a coverage solution that fits. ¹Company-reported. Product Recall page's closing paragraph; a general advisory service description, not a formal risk-control program.	Chubb says businesses get 24/7 access to a network of specialized product-recall consultants on a post-incident basis, described as leading industry professionals familiar with product-recall regulatory challenges. ⁴Company-reported. Specialized Consultants section.