---
title: "CFC vs Chubb: Product Recall Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-chubb/product-recall"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-chubb"
provider-a: "cfc"
provider-b: "chubb"
coverage-line: "product-recall"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

**What this page is:** Focused comparison of CFC and Chubb 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 CFC versus Chubb. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Product Recall Insurance. Providers: CFC and Chubb.
- 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 2026-09-29.

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

# 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 covers food-contamination scenarios and lists cyber tampering; Chubb publishes Recall Plus limits and product restrictions.

## CFC vs Chubb Product Recall Insurance Summary

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](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") [3](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)")

## 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](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") [3](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)")

### 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](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") [3](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)")

### 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](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") [3](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)")

## 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](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC")
- Ask Chubb for limit, retention and whether your product sits in a restricted class. [3](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)")
- If you have a software or cyber-tampering exposure, ask whether CFC’s general form actually grants it on the quote. [1](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC")
- Confirm issuing entities; neither reviewed page names the specific carrier vehicle. [2](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [3](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)")

## CFC vs Chubb Product Recall Insurance Compared

| 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. [1](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") (Evidence: Company-reported; scope: 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. [3](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: 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. [1](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") (Evidence: Company-reported; scope: Product recall description on the product page; exact terms are set by the policy as issued..)<br><br>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. [1](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") (Evidence: Company-reported; scope: Contaminated product recall description on the product page..)<br><br>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). [1](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") (Evidence: Company-reported; scope: 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. [3](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: Coverage Highlights section; subject to the policy as issued..)<br><br>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. [3](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: 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. [1](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") (Evidence: Company-reported; scope: 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. [3](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: Recall Plus for Consumer Goods product page..) |

## About CFC and Chubb and Product Recall Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews)
- [What Is Product Recall Insurance?](https://spot.insure/coverage/product-recall)

## Related Pages for CFC vs Chubb Product Recall Insurance

- [CFC vs Chubb](https://spot.insure/compare/cfc-vs-chubb): 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.
- [CFC Product Recall Insurance](https://spot.insure/insurance-providers/cfc/product-recall)
- [Chubb Product Recall Insurance](https://spot.insure/insurance-providers/chubb/product-recall)

## Sources for CFC vs Chubb Product Recall Insurance

### Sources About CFC

1. [Product Recall Insurance | Product Contamination Insurance | CFC](https://www.cfc.com/en-us/products/class/product-recall/). CFC; Contaminated product recall; Product recall; What does CFC's product recall policy cover?; Downloads for both products. Accessed 2026-09-23.
2. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.

### Sources About Chubb

3. [Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html). Chubb; Coverage Highlights: Minimums, Limits, Restricted Classes; Client Profile section; Specialized Consultants section. Accessed 2026-09-23.

Updated 2026-09-29. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cfc-vs-chubb/product-recall.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)