CFC vs 
Gallagher: How Do They Compare for Product Recall Insurance?
CFC underwrites a contaminated-product policy for food and a broader policy for consumer products through automotive parts; Gallagher is a broker placing recall cover through a dedicated team that adds claims advocacy and regulatory consulting.
CFC offers a food-contamination product and a general recall form listing cyber tampering; Gallagher places Product Recall, Product Contamination and Restaurant Contamination across more sectors. 1,3
What Are the Key Differences Between CFC and Gallagher Product Recall Insurance?
Who Underwrites the Form
CFC adds contract-manufacturer errors and business interruption to its contamination form. Gallagher’s broader sector list may fit multi-industry supply chains, and it lists claims advocacy, forensic accounting, regulatory consulting and training. Compare the actual product forms and insurer details; Gallagher’s reviewed page does not identify its markets. 1 3
Food Contamination Emphasis
CFC’s contamination policy is built for food and beverage and includes business interruption, reputation protection and contract-manufacturer errors. Gallagher cites USDA data that roughly 80% of food-borne illness losses fall outside standard product liability, and it markets across food, automotive, medical device, pharmaceutical, restaurant and consumer goods. 1 3
Buying Path and Extra Help
CFC offers a three-field online indication and downloadable applications. Gallagher describes a specialist team that spends all its time on this risk, with claims advocacy, forensic accounting, contractual feedback, regulatory consulting, continuity planning and training. CFC’s reviewed recall page does not list those broker practice services. 1 3
What Should You Confirm in CFC and Gallagher Product Recall Insurance Quotes?
- Ask Gallagher which product and carrier it is placing, including whether Restaurant Contamination is in scope. 3
- Ask CFC whether contract-manufacturer errors and cyber tampering are on the quoted form. 1
- Confirm which Gallagher services are included in the engagement. 3
- Request limits and retentions; neither reviewed page publishes them. 1 3
CFC vs Gallagher Product Recall Insurance Compared
CFC vs Gallagher: Product Recall Insurance: documented features by provider
| Criteria | CFC Product Recall Insurance | Gallagher Product Recall Insurance |
|---|---|---|
| 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. | Gallagher says product recall insurance is designed to fill a gap left by general liability and product liability policies: it cites USDA data that roughly 80% of food and agribusiness losses from a food-borne illness event fall outside a standard product liability policy's scope. 3Company-reported. Group-level product recall practice page; a general market statistic attributed to USDA, not specific to any client's policy. |
| 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. | Gallagher's Product Recall team places Product Recall, Product Contamination and Restaurant Contamination insurance with outside carriers; Gallagher does not underwrite the policy. 3Company-reported. Group-level product recall practice page. |
