---
title: "Beazley vs Gallagher: Product Recall Insurance"
description: "Beazley offers separate Manufacturing Risk forms for non-food goods and consumables, including a non-injury trigger; Gallagher places three recall products across food, restaurant, auto, device and pharma."
canonical: "https://spot.insure/compare/beazley-vs-gallagher/product-recall"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "beazley-vs-gallagher"
provider-a: "beazley"
provider-b: "gallagher"
coverage-line: "product-recall"
---

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

## Agent Guide

**What this page is:** Focused comparison of Beazley and Gallagher for Product Recall Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Product Recall Insurance questions about Beazley versus Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Beazley vs Gallagher for Product Recall Insurance: how do they differ?
- Which is better for Product Recall Insurance, Beazley or Gallagher?
- What does Beazley or Gallagher publish about Product Recall Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Product Recall Insurance. Providers: Beazley and Gallagher.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Beazley vs Gallagher](https://spot.insure/compare/beazley-vs-gallagher) — all coverage lines for this pair
- [Product Recall Insurance guide](https://spot.insure/coverage/product-recall) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

# Beazley vs Gallagher: How Do They Compare for Product Recall Insurance?

Gallagher is a broker whose specialist team places recall and contamination cover with outside carriers; Beazley underwrites recall cover itself and gives policyholders recall consultants and a single claims contact.

Beazley splits recall into manufacturing-risk forms; Gallagher offers a dedicated recall practice across more sectors.

## Beazley vs Gallagher Product Recall Insurance Summary

Beazley offers separate Manufacturing Risk forms for non-food goods and consumables, including a non-injury trigger; Gallagher places three recall products across food, restaurant, auto, device and pharma. [1](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [2](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

## What Are the Key Differences Between Beazley and Gallagher Product Recall Insurance?

### Who Writes Versus Who Places

Beazley distinguishes non-food finished goods and components from topical and ingestible products, while Gallagher’s stated industry list reaches restaurants, medical devices and pharmaceuticals. Gallagher lists forensic accounting and regulatory consulting; compare these services with Beazley’s insurer-provided consultants and claims contact. [1](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [2](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. [1](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [2](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. [1](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [2](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

## What Should You Confirm in Beazley and Gallagher Product Recall Insurance Quotes?

- Ask Gallagher which of the three products is quoted and which carrier is on the form. [2](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. [1](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. [1](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [2](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. [2](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") [1](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response")

## Beazley vs Gallagher Product Recall Insurance Compared

| Criteria | Beazley Product Recall – Manufacturing Risk and Response | Gallagher Product Recall Insurance |
| --- | --- | --- |
| 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. [1](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. [2](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. [1](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. [1](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. [1](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. [2](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..) |
| 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. [1](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. [2](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: 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. [1](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. [2](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: Group-level product recall practice page..) |

## About Beazley and Gallagher and Product Recall Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [What Is Product Recall Insurance?](https://spot.insure/coverage/product-recall)

## Related Pages for Beazley vs Gallagher Product Recall Insurance

- [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 pay specified costs to locate and withdraw a product after a covered problem; product liability does not automatically pay recall costs.
- [Beazley Product Recall Insurance](https://spot.insure/insurance-providers/beazley/product-recall)
- [Gallagher Product Recall Insurance](https://spot.insure/insurance-providers/gallagher/product-recall)

## Sources for Beazley vs Gallagher Product Recall Insurance

### Sources About Beazley

1. [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.

### Sources About Gallagher

2. [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.

Updated 2026-09-25. 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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