CFC vs Chubb Product Recall Insurance

CFC underwrites two related product recall lines: a contaminated product recall policy aimed at food and beverage businesses, and a broader product recall policy for consumer products through automotive parts. ⁵Company-reported. Product recall product page, which presents these as two separate downloadable products under one product line.

Chubb underwrites product recall insurance directly through Recall Plus for Consumer Goods, aimed at both new and established business owners producing consumer goods. ⁹Company-reported. Recall Plus for Consumer Goods product page.

The reviewed product recall page does not name the insurer or Lloyd's syndicate carrying the risk. CFC's regulatory page lists CFC-affiliated underwriting entities, including its own Lloyd's Syndicate 1988, but does not tie one specifically to product recall. ^5,4Not publicly disclosed. Checked the product recall page and CFC's regulatory information page; neither names a product-recall-specific carrier.

Not described in the reviewed sources.

Not described in the reviewed sources.

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. ⁹Company-reported. Client Profile section.

The general product recall policy covers rectification costs, loss of sales, ancillary costs, and reputation protection across recall scenarios that CFC says include cyber-related product tampering and software product safety issues. ⁵Company-reported. Product recall description on the product page; exact terms are set by the policy as issued.

The separate contaminated product recall policy is built for food and beverage products and includes business interruption cover, reputation protection, and cover for errors made by contract manufacturers. ⁵Company-reported. Contaminated product recall description on the product page.

CFC frames recall costs in three stages it says the policy is meant to help with: identifying the issue (testing, consultants, halting production), conducting the recall (consumer notices, transport and disposal, retailer fees, crisis PR), and business continuity (lost sales, cancelled contracts, replacing suppliers). ⁵Company-reported. Cost-category breakdown on the product page; this describes the categories of exposure CFC highlights, not a line-by-line coverage grant.

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. ⁹Company-reported. Coverage Highlights section; subject to the policy as issued.

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. ⁹Company-reported. Restricted Classes list.

The reviewed product recall page does not publish limit amounts, retentions, or maximum revenue eligibility for either product recall offering. ⁵Not found in reviewed sources. Product recall page checked on 2026-09-23; no numeric limit or eligibility figures appear on the page.

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. ⁹Company-reported. Coverage Highlights, Minimums and Limits sections.

Not described in the reviewed sources.

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. ⁹Company-reported. Specialized Consultants section.

CFC offers a quick online indication for product recall insurance using three pieces of information, and publishes separate downloadable application forms for the contaminated product recall and general product recall products. ⁵Company-reported. Product page indication call to action and downloads section.

Chubb publishes a Recall Plus application for non-food products and provides an email address for product-recall insurance questions. ⁹Company-reported. Related Resources and Contact sections.