---
title: "Beazley vs WithCoverage Product Recall Insurance"
description: "Beazley underwrites manufacturing-risk recall forms; WithCoverage documents CPG recall-mitigation reviews rather than a specimen policy."
canonical: "https://spot.insure/compare/beazley-vs-withcoverage/product-recall"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Beazley vs WithCoverage Product Recall Insurance

Beazley underwrites manufacturing-risk recall forms; WithCoverage documents CPG recall-mitigation reviews rather than a specimen policy.

## Research Scope and Use

Use this comparison to evaluate Beazley and WithCoverage 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 with listed cost headings and consultant access. WithCoverage is a broker whose reviewed sources describe Product Recall Risk Mitigation reviews for CPG and manufacturing clients, without naming an insurer or listing policy grants. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")

## 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 WithCoverage?

WithCoverage combines commercial insurance brokerage, a risk-management team and software for growing businesses. Buyers can request a review of existing policies, compare insurance options and manage their program with its team. [6](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") [7](https://www.withcoverage.com/company "About WithCoverage") [8](https://www.withcoverage.com/announcement "WithCoverage Raises $42M Series B")

[WithCoverage profile](https://spot.insure/insurance-providers/withcoverage)

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

## Key Differences in Product Recall Insurance

### Who Carries the Risk

Beazley underwrites Manufacturing Risk and Response. WithCoverage is a broker: for CPG and manufacturing clients it says it provides strategic counsel that includes Product Recall Risk Mitigation reviews, beyond placing a policy. WithCoverage’s reviewed pages do not name a recall insurer; Beazley’s page 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") [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")

### Policy Grants Versus Advisory Work

Beazley lists removal from commerce, redesign, lost income, third-party damages and regulatory penalties, and says the non-food trigger need not require injury or property damage. WithCoverage names recall as a consumer-page exposure and describes business-continuity planning alongside mitigation reviews, but the consumer program-audit list does not include recall by name. [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.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")

### Audience and Intake

Beazley considers growers through retailers in five countries and posts form-specific applications. WithCoverage’s advisor spotlight presents CPG and manufacturing accounts, with carrier negotiation described as part of that practice. Beazley also lists recall consultants; WithCoverage’s reviewed recall-related pages describe mitigation reviews rather than insurer-provided consultants. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")

## What to Confirm in Product Recall Insurance Quotes

- Ask WithCoverage whether the work is a mitigation review, a placed policy, or both, and which carrier it will approach. [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")
- Ask Beazley which manufacturing-risk form and trigger wording apply to your SKUs. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response")
- Confirm whether WithCoverage’s consumer audit will actually bind recall coverage. [9](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management")
- Compare consultant access: Beazley’s policyholder consultants versus WithCoverage’s advisory reviews. [5](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")

## Offering Details

| Criteria | Beazley Product Recall – Manufacturing Risk and Response | WithCoverage Product Recall Risk Mitigation Review (Consumer/CPG) |
| --- | --- | --- |
| 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..) | 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. [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Company-reported; scope: Risk-advisors Oscar spotlight, describing one advisor's named practice area..) |
| 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 reviewed pages do not name which insurer or insurers WithCoverage places product recall coverage with. [9](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Not found in reviewed sources; scope: Consumer industry page and risk-advisors page as read on 2026-09-23..) |
| 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..) | 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. [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Company-reported; scope: Risk-advisors Oscar spotlight..) |
| 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..) | 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. [9](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") (Evidence: Not found in reviewed sources; scope: Consumer industry page hero and FAQ..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | WithCoverage says its risk-advisory work for CPG and manufacturing clients goes beyond placement to include Business Continuity Planning alongside product-recall risk mitigation. [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Company-reported; scope: Risk-advisors Oscar spotlight; describes one advisor's stated approach, not a documented client engagement..) |
| 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 WithCoverage](https://spot.insure/compare/beazley-vs-withcoverage): 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 WithCoverage Commercial Property Insurance](https://spot.insure/compare/beazley-vs-withcoverage/commercial-property)
- [Beazley vs WithCoverage General Liability Insurance](https://spot.insure/compare/beazley-vs-withcoverage/general-liability)
- [Beazley vs WithCoverage Product Liability Insurance](https://spot.insure/compare/beazley-vs-withcoverage/product-liability)
- [Alliance Risk vs Beazley Product Recall Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/product-recall)
- [Alliance Risk vs WithCoverage Product Recall Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/product-recall)
- [Amelia Risk vs Beazley Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/product-recall)
- [Amelia Risk vs WithCoverage Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-withcoverage/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.

### WithCoverage

6. [Commercial Insurance & Risk Management](https://www.withcoverage.com/). WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
7. [About WithCoverage](https://www.withcoverage.com/company). WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
8. [WithCoverage Raises $42M Series B](https://www.withcoverage.com/announcement). WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
9. [Consumer Insurance & Risk Management](https://www.withcoverage.com/industries/consumer). WithCoverage; Hero: "One gap in product liability, recall, or cargo coverage can wipe out a season of growth"; Have Questions? program-audit FAQ listing General Liability, Product Liability, Workers' Comp, Property, umbrella. Accessed 2026-09-23.
10. [Commercial Risk Advisor Careers](https://www.withcoverage.com/risk-advisors). WithCoverage; Oscar spotlight: "My focus extends beyond placement into strategic counsel, guiding clients through Business Continuity Planning and Product Recall Risk Mitigation reviews". Accessed 2026-09-23.

### Product Recall Insurance Guide

11. [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.
12. [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.
13. [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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