Beazley vs WithCoverage Product Recall Insurance

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. ⁵Company-reported. Product Recall product page; 'How can we help' and 'Who we can help' sections.

WithCoverage is a broker, not an insurer; for CPG and manufacturing clients it says it provides strategic counsel that includes Product Recall Risk Mitigation reviews, beyond just placing a policy. ¹⁰Company-reported. Risk-advisors Oscar spotlight, describing one advisor's named practice area.

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. ⁵Not publicly disclosed. Product page as read on 2026-09-23; no issuing-entity disclosure found there.

The reviewed pages do not name which insurer or insurers WithCoverage places product recall coverage with. ^9,10Not found in reviewed sources. Consumer industry page and risk-advisors page as read on 2026-09-23.

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. ⁵Company-reported. Who we can help and Where is this offered sections; account-level underwriting still applies.

WithCoverage says a team member stewards CPG and manufacturing accounts and negotiates recall-related risk with carriers directly, indicating this line is served primarily for consumer-packaged-goods and manufacturing clients rather than as a general offering. ¹⁰Company-reported. Risk-advisors Oscar spotlight.

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. ⁵Company-reported. What we offer section; which form applies depends on the insured's products.

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. ⁵Company-reported. Coverage highlights bullet list; exclusions and sublimits are not detailed on this page.

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. ⁵Company-reported. How can we help section; specific policy wording and endorsement availability require the issued policy.

Product recall is named in the consumer page's hero as a key exposure, but the same page's itemized program-audit list ("General Liability, Product Liability, Workers' Comp, Property, umbrella") does not include recall by name. ⁹Not found in reviewed sources. Consumer industry page hero and FAQ.

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. ⁵Company-reported. How can we help section; whether a given account qualifies for no self-insured retention is an underwriting decision.

Not described in the reviewed sources.

Beazley says policyholders get access to product recall consultants and a single point of contact for claims. ⁵Company-reported. How can we help section; consultant quality is a company characterization, not independently verified.

WithCoverage says its risk-advisory work for CPG and manufacturing clients goes beyond placement to include Business Continuity Planning alongside product-recall risk mitigation. ¹⁰Company-reported. Risk-advisors Oscar spotlight; describes one advisor's stated approach, not a documented client engagement.

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. ⁵Company-reported. Tools & Resources links referenced on the product page; the application forms themselves were not opened.

Not described in the reviewed sources.

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. ⁵Company-reported. Examples or Scenarios section; these are company-selected illustrative examples, not a representative claims-outcome statistic.

Not described in the reviewed sources.