CFC vs 
Chubb: How Do They Compare for Product Recall Insurance?
CFC underwrites a contaminated-product policy for food and beverage and offers a quick online indication; Chubb underwrites Recall Plus for consumer goods, with $5 million in limits and a $5,000 minimum retention ($2,500 for small businesses).
CFC offers food-contamination coverage and a general recall form that lists cyber tampering; Chubb Recall Plus publishes limits up to $5 million and restricts some product classes. 1,3
What Are the Key Differences Between CFC and Chubb Product Recall Insurance?
Two Carrier Products, Different Splits
Chubb publishes a sales target up to $1 billion and restricts classes including fireworks and third-party component goods. CFC’s reviewed page does not publish limits, but describes food-contamination and cyber-related scenarios not named on Chubb’s page. Check whether those triggers match your product and loss scenarios. 1 3
Limits, Classes and Named Scenarios
CFC’s reviewed recall page does not publish limits, retentions or revenue caps. Chubb publishes a $5,000 minimum SIR ($2,500 for small businesses), $5 million available primary and excess, and a primary target of sales up to $1 billion, with restricted classes including drop-side cribs, e-cigarettes, fireworks and components of a third party’s goods. CFC’s general form names cyber-related tampering and software product safety; Chubb’s reviewed page does not describe those scenarios. 1 3
How You Apply and Get Help
CFC offers a three-field online indication and separate downloadable applications. Chubb publishes a Recall Plus application for non-food products and an email for questions, plus 24/7 crisis consultants. CFC’s contamination form includes contract-manufacturer errors; Chubb’s restricted classes can exclude component-in-third-party-goods risks. 1 3
What Should You Confirm in CFC and Chubb Product Recall Insurance Quotes?
- Ask CFC which of the two products is indicated and whether contract-manufacturer errors are on the form. 1
- Ask Chubb for limit, retention and whether your product sits in a restricted class. 3
- If you have a software or cyber-tampering exposure, ask whether CFC’s general form actually grants it on the quote. 1
- Confirm issuing entities; neither reviewed page names the specific carrier vehicle. 2 3
CFC vs Chubb Product Recall Insurance Compared
CFC vs Chubb: Product Recall Insurance: documented features by provider
| Criteria | CFC Product Recall Insurance | Chubb Recall Plus for Consumer Goods |
|---|---|---|
| How to Apply | 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. 1Company-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. 3Company-reported. Related Resources and Contact sections. |
| Coverage Features | 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. 1Company-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. 1Company-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). 1Company-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. 3Company-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. 3Company-reported. Restricted Classes list. |
| Role in This Line | 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. 1Company-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. 3Company-reported. Recall Plus for Consumer Goods product page. |
