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

Amelia Risk, a broker, walks a brand through product type and batch size; Gallagher, also a broker, has a recall team that works only on this risk, adding forensic accounting and regulatory consulting for food, automotive, medical device and pharma clients.

Amelia Risk shops variable recall forms across insurers; Gallagher places Product Recall, Product Contamination and Restaurant Contamination and lists event services. ^1,^2,⁴

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

Practice Scope

Amelia Risk distinguishes recall costs from product-liability injury claims, while Gallagher lists claims advocacy, continuity planning and training tied to recall events. Neither page publishes a complete policy form, so request the applicable trigger, exclusions and limits from each proposed insurer. ² ⁴

What Each Firm Says It Does Around a Recall

Amelia Risk helps walk through product type, batch size, distribution and risk tolerance, then advocates during claims as part of its general process. Gallagher says specialists spend all their time on this risk and lists claims advocacy, forensic accounting, contractual feedback on recall liability, regulatory consulting, coverage advisory, business-continuity planning and staff training tied to a recall event. ¹ ³ ⁴

How They Frame the Liability Gap

Amelia Risk says recall policies are not standardized, so scope can be broad or narrow depending on the insurer. Gallagher says product recall insurance is designed to fill a gap left by general liability and product liability, citing USDA data that roughly 80% of food and agribusiness losses from a food-borne illness event fall outside a standard product liability policy. Gallagher’s reviewed page does not name the issuing insurer or publish limits. ² ⁴

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

Ask Gallagher whether the quote is Product Recall, Product Contamination, Restaurant Contamination, or a combination. ⁴
Ask Amelia Risk which markets it approached and how broad each form is on vendor income and government-mandated recall. ¹ ²
Confirm which of Gallagher’s listed services (forensic accounting, regulatory consulting, training) are included versus extra. ⁴
Get the issuing insurer from Gallagher; its product-recall page does not name a carrier. ⁴

Amelia Risk vs Gallagher Product Recall Insurance Compared

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

Criteria	Product Recall	Gallagher Product Recall Insurance
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.	Gallagher markets this coverage to manufacturers and supply-chain participants across food and beverage, automotive, medical device, pharmaceutical, restaurant and consumer-goods segments, citing 2023 US recall counts including 916 vehicle recall types, 975 medical device recalls, 517 pharmaceutical recalls and 322 consumer good recalls. ⁴Company-reported. Group-level product recall practice page; industry-wide statistics, not eligibility criteria for a specific applicant.
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.	Gallagher says product recall insurance is designed to fill a gap left by general liability and product liability policies: it cites USDA data that roughly 80% of food and agribusiness losses from a food-borne illness event fall outside a standard product liability policy's scope. ⁴Company-reported. Group-level product recall practice page; a general market statistic attributed to USDA, not specific to any client's policy.
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.	Gallagher's Product Recall team places Product Recall, Product Contamination and Restaurant Contamination insurance with outside carriers; Gallagher does not underwrite the policy. ⁴Company-reported. Group-level product recall practice 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.	Gallagher says its Product Recall team consists of specialists who spend all their time on this risk, and that it provides claims advocacy, forensic accounting, contractual feedback on recall liability, regulatory consulting, coverage advisory, business-continuity planning and staff training tied to a recall event. ⁴Company-reported. Group-level product recall practice page.