---
title: "Amelia Risk vs Gallagher Product Recall Insurance"
description: "Amelia Risk shops variable recall wording; Gallagher’s dedicated team also places contamination and restaurant contamination."
canonical: "https://spot.insure/compare/amelia-risk-vs-gallagher/product-recall"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/amelia-risk-vs-gallagher/product-recall)

# Amelia Risk vs Gallagher Product Recall Insurance

Amelia Risk shops variable recall wording; Gallagher’s dedicated team also places contamination and restaurant contamination.

## Research Scope and Use

Use this comparison to evaluate Amelia Risk and Gallagher for Product Recall Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Amelia Risk brokers recall and says forms are not standardized. Gallagher’s Product Recall team places Product Recall, Product Contamination and Restaurant Contamination, and lists claims advocacy, forensic accounting and regulatory consulting as practice services. [4](https://ameliarisk.com/insurance-policies/product-recall/ "Product Recall") [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

## What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/specialties/ "Our Specialties") [3](https://ameliarisk.com/about-us/ "About Us")

[Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk)

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [6](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [10](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## What Is Product Recall Insurance?

Product recall insurance is a specialty coverage that can address first-party costs of withdrawing a product, costs that product-liability protection does not automatically pay. [12](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [13](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [14](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in Product Recall Insurance

### Practice Scope

Amelia Risk and Gallagher both broker this line. Amelia Risk treats recall as a separate policy from product liability: recall pays the cost of pulling a product from the market, while product liability answers injury or property-damage claims, and both can respond to the same contamination event. Gallagher’s Product Recall team places Product Recall, Product Contamination and Restaurant Contamination with outside carriers. [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

### 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. [4](https://ameliarisk.com/insurance-policies/product-recall/ "Product Recall") [2](https://ameliarisk.com/specialties/ "Our Specialties") [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

### 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. [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

## What to Confirm in Product Recall Insurance Quotes

- Ask Gallagher whether the quote is Product Recall, Product Contamination, Restaurant Contamination, or a combination. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")
- Ask Amelia Risk which markets it approached and how broad each form is on vendor income and government-mandated recall. [4](https://ameliarisk.com/insurance-policies/product-recall/ "Product Recall") [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies")
- Confirm which of Gallagher’s listed services (forensic accounting, regulatory consulting, training) are included versus extra. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")
- Get the issuing insurer from Gallagher; its product-recall page does not name a carrier. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

## Offering Details

| Criteria | Product Recall | Gallagher Product Recall Insurance |
| --- | --- | --- |
| 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. [4](https://ameliarisk.com/insurance-policies/product-recall/ "Product Recall") (Evidence: Company-reported; scope: 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. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: Group-level product recall practice page..) |
| Issuing Insurer | Not described in the reviewed sources. | The product recall page says Gallagher works directly with leading carriers globally but does not name the specific insurer that would issue a given client's policy. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level product recall practice page..) |
| 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. [4](https://ameliarisk.com/insurance-policies/product-recall/ "Product Recall") (Evidence: Company-reported; scope: 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. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: 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. [4](https://ameliarisk.com/insurance-policies/product-recall/ "Product Recall") (Evidence: Company-reported; scope: Product Recall page's coverage list; a general description of the coverage type, not a specimen policy form or a specific insurer's wording..)<br><br>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. [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") (Evidence: Company-reported; scope: CPG page's product recall discussion; a general statement about the product-recall market rather than a specific policy comparison..)<br><br>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. [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") (Evidence: Company-reported; scope: 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. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: Group-level product recall practice page; a general market statistic attributed to USDA, not specific to any client's policy..) |
| Limits and Retentions | Not described in the reviewed sources. | The product recall page does not publish limits, retentions or premium ranges. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Not publicly disclosed; scope: Checked the 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. [4](https://ameliarisk.com/insurance-policies/product-recall/ "Product Recall") (Evidence: Company-reported; scope: 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. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: Group-level product recall practice page..) |
| 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. [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Company-reported; scope: Specialties page's four numbered steps; describes the firm's general placement workflow, not a product-recall-specific application form..) | Not described in the reviewed sources. |
| Claims Support | Amelia Risk says it will advocate for a client's needs during claims, as one of the things clients can expect when working with the firm; the Product Recall page does not describe a recall-specific claims process. [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Company-reported; scope: Specialties page's process list, a general claims-advocacy statement covering all lines the firm places. The Product Recall page itself is silent on claims handling..) | Not described in the reviewed sources. |

## Full Comparison

- [Amelia Risk vs Gallagher](https://spot.insure/compare/amelia-risk-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is Product Recall Insurance?](https://spot.insure/coverage/product-recall): Product recall insurance can help pay specified costs of withdrawing a product, such as notification, shipping and disposal.
- [Amelia Risk vs Gallagher Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-gallagher/business-owners-policy)
- [Amelia Risk vs Gallagher Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/cyber)
- [Amelia Risk vs Gallagher D&O Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/directors-officers)
- [Amelia Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/employment-practices)
- [Amelia Risk vs Gallagher General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/general-liability)
- [Amelia Risk vs Gallagher Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/technology-errors-omissions)
- [Amelia Risk vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/umbrella-excess)
- [Amelia Risk vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/workers-compensation)
- [Alliance Risk vs Amelia Risk Product Recall Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/product-recall)
- [Alliance Risk vs Gallagher Product Recall Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/product-recall)
- [Amelia Risk vs Beazley Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/product-recall)
- [Amelia Risk vs CFC Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/product-recall)
- [Amelia Risk vs Chubb Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/product-recall)
- [Amelia Risk vs Coverdash Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-coverdash/product-recall)

## Sources

### Amelia Risk

1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
2. [Our Specialties](https://ameliarisk.com/specialties/). Amelia Risk Insurance Brokers; OUR PROCESS: understand your business, explain insurance, read the policies we offer, negotiate coverage and pricing, advocate during claims; four numbered steps ending in the client deciding how to proceed. Accessed 2026-09-23.
3. [About Us](https://ameliarisk.com/about-us/). Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
4. [Product Recall](https://ameliarisk.com/insurance-policies/product-recall/). Amelia Risk Insurance Brokers; What's covered by a Product Recall Policy?: recall, destroy and replace costs, public relations, investigations, government-mandated recalls, loss of income, third-party loss of income; When should a company buy a Product Recall Policy?: factors to consider; "As your broker, we help walk through these factors". Accessed 2026-09-23.
5. [Insurance for CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; Product liability vs product recall explanation; FAQ 2, "Is product recall covered under product liability?"; note that recall policies are not standardized and can be broad or narrow. Accessed 2026-09-23.

### Gallagher

6. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
7. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
8. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
9. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
10. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
11. [Product Recall Insurance](https://www.ajg.com/insurance/product-recall-insurance/). Gallagher; Opening on product defects and recall risk by industry; 2023 recall statistics; The Gallagher Product Recall team; Product recall insurance coverage; Understanding coverage gaps between product liability insurance and product recall insurance. Accessed 2026-09-23.

### Product Recall Insurance Guide

12. [Product liability, recall and contamination insurance](https://www.iii.org/article/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.
13. [Facts + Statistics: Product liability](https://www.iii.org/fact-statistic/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.
14. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). 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.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/amelia-risk-vs-gallagher/product-recall.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)