---
title: "Beazley vs Gallagher Product Recall Insurance"
description: "Beazley underwrites two manufacturing-risk forms; Gallagher’s recall team places recall, contamination and restaurant contamination."
canonical: "https://spot.insure/compare/beazley-vs-gallagher/product-recall"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Beazley vs Gallagher Product Recall Insurance

Beazley underwrites two manufacturing-risk forms; Gallagher’s recall team places recall, contamination and restaurant contamination.

## Research Scope and Use

Use this comparison to evaluate Beazley 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

Beazley underwrites Manufacturing Risk for consumer goods and for consumables, with a non-injury trigger on the non-food form. Gallagher brokers Product Recall, Product Contamination and Restaurant Contamination through a specialist team that also lists forensic accounting and regulatory consulting. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

## 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 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

### Who Writes Versus Who Places

Beazley underwrites Manufacturing Risk and Response. Gallagher’s Product Recall team places Product Recall, Product Contamination and Restaurant Contamination with outside carriers and does not underwrite the policy. Gallagher says it works with leading carriers globally but does not name them; Beazley also does not name the issuing Beazley entity. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

### Product Split and Buyer Segments

Beazley splits non-food finished goods and component parts from topical and ingestible products, and lists growers, suppliers, manufacturers, distributors, wholesalers and retailers in five countries. Gallagher markets across food and beverage, automotive, medical device, pharmaceutical, restaurant and consumer goods, citing 2023 US recall counts by category. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

### Insurer Consultants Versus Broker Practice Services

Beazley says policyholders get product-recall consultants, a single claims contact, and can have no self-insured retention. Gallagher lists claims advocacy, forensic accounting, contractual feedback on recall liability, regulatory consulting, coverage advisory, business-continuity planning and staff training. Gallagher also cites USDA figures that about 80% of food-borne illness losses sit outside standard product liability. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

## What to Confirm in Product Recall Insurance Quotes

- Ask Gallagher which of the three products is quoted and which carrier is on the form. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")
- Ask Beazley which manufacturing-risk form applies and whether the quality-issue endorsement is attached. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response")
- Compare retention: Beazley says no SIR can be available; Gallagher’s page does not publish retentions. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")
- Confirm which Gallagher services are in the fee versus extra, and how Beazley’s consultant access is granted. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response")

## Offering Details

| Criteria | Beazley Product Recall – Manufacturing Risk and Response | Gallagher Product Recall Insurance |
| --- | --- | --- |
| 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..) | 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 | 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..) | 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 | 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..) | 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 | 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..) | 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 | 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..) | 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 | 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..) | 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 | 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..) | Not described in the reviewed sources. |
| 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 Gallagher](https://spot.insure/compare/beazley-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.
- [Beazley vs Gallagher Commercial Property Insurance](https://spot.insure/compare/beazley-vs-gallagher/commercial-property)
- [Beazley vs Gallagher Crime Insurance](https://spot.insure/compare/beazley-vs-gallagher/crime)
- [Beazley vs Gallagher Cyber Insurance](https://spot.insure/compare/beazley-vs-gallagher/cyber)
- [Beazley vs Gallagher D&O Insurance](https://spot.insure/compare/beazley-vs-gallagher/directors-officers)
- [Beazley vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-gallagher/employment-practices)
- [Beazley vs Gallagher Fidelity Bonds](https://spot.insure/compare/beazley-vs-gallagher/fidelity-bonds)
- [Beazley vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-gallagher/fiduciary)
- [Beazley vs Gallagher General Liability Insurance](https://spot.insure/compare/beazley-vs-gallagher/general-liability)
- [Beazley vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-gallagher/professional-errors-omissions)
- [Beazley vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-gallagher/representations-warranties)
- [Beazley vs Gallagher Tech E&O Insurance](https://spot.insure/compare/beazley-vs-gallagher/technology-errors-omissions)
- [Alliance Risk vs Beazley Product Recall Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/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 Gallagher Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/product-recall)
- [Beazley vs CFC Product Recall Insurance](https://spot.insure/compare/beazley-vs-cfc/product-recall)
- [Beazley vs Chubb Product Recall Insurance](https://spot.insure/compare/beazley-vs-chubb/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.

### 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.

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