---
title: "Beazley vs Chubb Product Recall Insurance"
description: "Beazley’s manufacturing-risk forms include a non-injury trigger; Chubb’s Recall Plus publishes $5 million limits and restricted classes."
canonical: "https://spot.insure/compare/beazley-vs-chubb/product-recall"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Beazley vs Chubb Product Recall Insurance

Beazley’s manufacturing-risk forms include a non-injury trigger; Chubb’s Recall Plus publishes $5 million limits and restricted classes.

## Research Scope and Use

Use this comparison to evaluate Beazley and Chubb 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

Beazley underwrites two manufacturing-risk products and says the non-food trigger need not require bodily injury or property damage. Chubb underwrites Recall Plus with a $5 million unit limit, sales targeting up to $1 billion, and restricted classes including component parts in a third party’s products. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [9](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [6](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [7](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [8](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## 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. [10](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [11](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [12](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in Product Recall Insurance

### Product Architecture

Beazley and Chubb both underwrite recall. Beazley splits Manufacturing Risk for non-food finished goods and component parts from Manufacturing Risk for topical and ingestible products. Chubb’s reviewed product is Recall Plus for Consumer Goods, with made-to-order add-on coverages rather than two named manufacturing-risk forms. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [9](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)")

### Trigger, Limits and Restricted Classes

Beazley highlights a non-food trigger that does not require bodily injury, property damage or impaired property, and says policies can include no self-insured retentions, without publishing dollar limits. Chubb publishes a $5,000 minimum retention ($2,500 for small businesses) and $5 million available on a primary and excess basis, targets sales up to $1 billion, and restricts drop-side cribs, e-cigarettes, fireworks, and goods used as a component of a third party’s products. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [9](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)")

### Consultants and Intake

Both describe specialist help after an incident: Beazley lists product-recall consultants and a single claims contact, with worked examples such as bottle-cap and allergen mislabeling; Chubb lists 24/7 crisis consultants via an emergency hotline. Beazley posts express and standard applications per form; Chubb posts a Recall Plus application for non-food products. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [9](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)")

## What to Confirm in Product Recall Insurance Quotes

- If you make ingredients or parts that sit inside another company’s product, ask whether Chubb’s component restriction applies and whether Beazley’s component-parts form is the intended path. [9](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response")
- Ask Beazley for the applicable form, trigger wording and any quality-issue sublimit. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response")
- Ask Chubb for primary versus excess limit, retention and whether your sales exceed the $1 billion target band. [9](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)")
- Confirm consultant access hours and whether consultant fees erode the limit. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [9](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)")

## Offering Details

| Criteria | Beazley Product Recall – Manufacturing Risk and Response | Chubb Recall Plus for Consumer Goods |
| --- | --- | --- |
| Role in This Line | Beazley underwrites this product recall line itself as a specialty manufacturing risk and response product, rather than describing it as a brokered or program-administered offering. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") (Evidence: Company-reported; scope: Product Recall product page; 'How can we help' and 'Who we can help' sections..) | Chubb underwrites product recall insurance directly through Recall Plus for Consumer Goods, aimed at both new and established business owners producing consumer goods. [9](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: Recall Plus for Consumer Goods product page..) |
| Issuing Insurer | The product page does not name the specific Beazley entity that issues this product recall coverage. The insurer named on an actual quote or policy controls. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") (Evidence: Not publicly disclosed; scope: Product page as read on 2026-09-23; no issuing-entity disclosure found there..) | Not described in the reviewed sources. |
| Who It’s For | Beazley considers a wide range of food and non-food supply-chain businesses, including growers, suppliers, manufacturers, distributors, wholesalers and retailers, with the coverage offered in the US, Canada, Singapore, Australia and the UK. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") (Evidence: Company-reported; scope: Who we can help and Where is this offered sections; account-level underwriting still applies..) | 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. [9](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: Client Profile section..) |
| Coverage Features | Beazley offers two coverage forms: Manufacturing Risk for Consumer Goods & Component Parts, covering all finished non-food products and component parts for any industry, and Manufacturing Risk for Consumable Products, covering topical and ingestible products. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") (Evidence: Company-reported; scope: What we offer section; which form applies depends on the insured's products..)<br><br>Coverage highlights listed are the costs to remove a product from commerce, redesign, reformulate, replace, repair or refund it, protect the brand and reputation, cover lost income and its mitigation, pay third-party damages, and pay penalties from a regulatory proceeding. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") (Evidence: Company-reported; scope: Coverage highlights bullet list; exclusions and sublimits are not detailed on this page..)<br><br>Beazley says the non-food form has a broad trigger that does not require any tie-back to bodily injury, property damage or impaired property, and that an endorsement for consumable products covers quality issues on the same basis, available as an optional sublimit. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") (Evidence: Company-reported; scope: How can we help section; specific policy wording and endorsement availability require the issued 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. [9](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: Coverage Highlights section; subject to the policy as issued..)<br><br>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. [9](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: Restricted Classes list..) |
| Limits and Retentions | Beazley says policies can include no self-insured retentions and long-term agreements, but the page does not publish specific limit, retention or premium amounts. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") (Evidence: Company-reported; scope: How can we help section; whether a given account qualifies for no self-insured retention is an underwriting decision..) | Chubb publishes a $5,000 minimum self-insured retention ($2,500 minimum for small businesses) and says its Product Recall unit has $5 million in limits available on a primary and excess basis, with additional capacity considered case by case. [9](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: Coverage Highlights, Minimums and Limits sections..) |
| Risk Services | Beazley says policyholders get access to product recall consultants and a single point of contact for claims. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") (Evidence: Company-reported; scope: How can we help section; consultant quality is a company characterization, not independently verified..) | 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. [9](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: Specialized Consultants section..) |
| How to Apply | Beazley's Tools & Resources section lists separate express and standard applications for the consumer-goods/component-parts and consumable-products forms, plus a renewal application, rather than one universal application. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") (Evidence: Company-reported; scope: Tools & Resources links referenced on the product page; the application forms themselves were not opened..) | Chubb publishes a Recall Plus application for non-food products and provides an email address for product-recall insurance questions. [9](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: Related Resources and Contact sections..) |
| Claims Support | Beazley publishes worked claims examples, such as a bottle-cap mislabeling defect and a snack-food allergen mislabeling, describing reimbursement for replacement costs, business-interruption losses and customer refunds, alongside its stated single point of contact for claims. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") (Evidence: Company-reported; scope: Examples or Scenarios section; these are company-selected illustrative examples, not a representative claims-outcome statistic..) | Not described in the reviewed sources. |

## Full Comparison

- [Beazley vs Chubb](https://spot.insure/compare/beazley-vs-chubb): 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.
- [Beazley vs Chubb Commercial Property Insurance](https://spot.insure/compare/beazley-vs-chubb/commercial-property)
- [Beazley vs Chubb Crime Insurance](https://spot.insure/compare/beazley-vs-chubb/crime)
- [Beazley vs Chubb Cyber Insurance](https://spot.insure/compare/beazley-vs-chubb/cyber)
- [Beazley vs Chubb D&O Insurance](https://spot.insure/compare/beazley-vs-chubb/directors-officers)
- [Beazley vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-chubb/employment-practices)
- [Beazley vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-chubb/fiduciary)
- [Beazley vs Chubb General Liability Insurance](https://spot.insure/compare/beazley-vs-chubb/general-liability)
- [Beazley vs Chubb Management Liability Insurance](https://spot.insure/compare/beazley-vs-chubb/management-liability)
- [Beazley vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-chubb/professional-errors-omissions)
- [Beazley vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-chubb/representations-warranties)
- [Beazley vs Chubb Tech E&O Insurance](https://spot.insure/compare/beazley-vs-chubb/technology-errors-omissions)
- [Alliance Risk vs Beazley Product Recall Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/product-recall)
- [Alliance Risk vs Chubb Product Recall Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/product-recall)
- [Amelia Risk vs Beazley Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/product-recall)
- [Amelia Risk vs Chubb Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/product-recall)
- [Beazley vs CFC Product Recall Insurance](https://spot.insure/compare/beazley-vs-cfc/product-recall)
- [Beazley vs Coverdash Product Recall Insurance](https://spot.insure/compare/beazley-vs-coverdash/product-recall)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [Product Recall – Manufacturing Risk and Response](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response). Beazley; What we offer: Manufacturing Risk for Consumer Goods & Component Parts and Manufacturing Risk for Consumable Products; Coverage highlights; How can we help; Who we can help; Where is this offered; Tools & Resources. Accessed 2026-09-23.

### Chubb

6. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
7. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
8. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
9. [Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html). Chubb; Coverage Highlights: Minimums, Limits, Restricted Classes; Client Profile section; Specialized Consultants section. Accessed 2026-09-23.

### Product Recall Insurance Guide

10. [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.
11. [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.
12. [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.

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