---
title: "CFC vs Gallagher Product Recall Insurance"
description: "CFC underwrites contaminated and general recall; Gallagher’s specialist team places recall plus contamination and restaurant contamination."
canonical: "https://spot.insure/compare/cfc-vs-gallagher/product-recall"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# CFC vs Gallagher Product Recall Insurance

CFC underwrites contaminated and general recall; Gallagher’s specialist team places recall plus contamination and restaurant contamination.

## Research Scope and Use

Use this comparison to evaluate CFC and Gallagher 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

CFC underwrites two products, including a food-and-beverage contamination form and a general form that names cyber tampering. Gallagher brokers Product Recall, Product Contamination and Restaurant Contamination and lists forensic accounting, regulatory consulting and staff training among practice services. [5](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

## What Is CFC Insurance?

CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. [1](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [6](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [10](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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. [12](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [13](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [14](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in Product Recall Insurance

### Who Underwrites the Form

CFC underwrites contaminated product recall and general product recall. Gallagher’s Product Recall team places those kinds of products with outside carriers, including Restaurant Contamination, and does not underwrite. Gallagher works with unnamed global carriers; CFC’s product and regulatory pages do not tie recall to a named syndicate. [5](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

### 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. [5](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

### 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. [5](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

## What to Confirm in Product Recall Insurance Quotes

- Ask Gallagher which product and carrier it is placing, including whether Restaurant Contamination is in scope. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")
- Ask CFC whether contract-manufacturer errors and cyber tampering are on the quoted form. [5](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC")
- Confirm which Gallagher services are included in the engagement. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")
- Request limits and retentions; neither reviewed page publishes them. [5](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

## Offering Details

| Criteria | CFC Product Recall Insurance | Gallagher Product Recall Insurance |
| --- | --- | --- |
| 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. [5](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..) | Gallagher's Product Recall team places Product Recall, Product Contamination and Restaurant Contamination insurance with outside carriers; Gallagher does not underwrite the policy. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: Group-level product recall practice page..) |
| Issuing Insurer | 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](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Not publicly disclosed; scope: Checked the product recall page and CFC's regulatory information page; neither names a product-recall-specific carrier..) | The product recall page says Gallagher works directly with leading carriers globally but does not name the specific insurer that would issue a given client's policy. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level product recall practice page..) |
| Who It’s For | Not described in the reviewed sources. | Gallagher markets this coverage to manufacturers and supply-chain participants across food and beverage, automotive, medical device, pharmaceutical, restaurant and consumer-goods segments, citing 2023 US recall counts including 916 vehicle recall types, 975 medical device recalls, 517 pharmaceutical recalls and 322 consumer good recalls. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: Group-level product recall practice page; industry-wide statistics, not eligibility criteria for a specific applicant..) |
| 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. [5](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. [5](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). [5](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..) | 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. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: Group-level product recall practice page; a general market statistic attributed to USDA, not specific to any client's policy..) |
| Limits and Retentions | The reviewed product recall page does not publish limit amounts, retentions, or maximum revenue eligibility for either product recall offering. [5](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") (Evidence: Not found in reviewed sources; scope: Product recall page checked on 2026-09-23; no numeric limit or eligibility figures appear on the page..) | The product recall page does not publish limits, retentions or premium ranges. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level product recall practice page..) |
| Risk Services | Not described in the reviewed sources. | Gallagher says its Product Recall team consists of specialists who spend all their time on this risk, and that it provides claims advocacy, forensic accounting, contractual feedback on recall liability, regulatory consulting, coverage advisory, business-continuity planning and staff training tied to a recall event. [11](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: Group-level product recall practice page..) |
| 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. [5](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..) | Not described in the reviewed sources. |

## Full Comparison

- [CFC vs Gallagher](https://spot.insure/compare/cfc-vs-gallagher): 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.
- [CFC vs Gallagher Commercial Property Insurance](https://spot.insure/compare/cfc-vs-gallagher/commercial-property)
- [CFC vs Gallagher Crime Insurance](https://spot.insure/compare/cfc-vs-gallagher/crime)
- [CFC vs Gallagher Cyber Insurance](https://spot.insure/compare/cfc-vs-gallagher/cyber)
- [CFC vs Gallagher D&O Insurance](https://spot.insure/compare/cfc-vs-gallagher/directors-officers)
- [CFC vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-gallagher/employment-practices)
- [CFC vs Gallagher General Liability Insurance](https://spot.insure/compare/cfc-vs-gallagher/general-liability)
- [CFC vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-gallagher/kidnap-ransom)
- [CFC vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-gallagher/professional-errors-omissions)
- [CFC vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-gallagher/representations-warranties)
- [CFC vs Gallagher Tech E&O Insurance](https://spot.insure/compare/cfc-vs-gallagher/technology-errors-omissions)
- [CFC vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-gallagher/umbrella-excess)
- [Alliance Risk vs CFC Product Recall Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/product-recall)
- [Alliance Risk vs Gallagher Product Recall Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/product-recall)
- [Amelia Risk vs CFC Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/product-recall)
- [Amelia Risk vs Gallagher Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/product-recall)
- [Beazley vs CFC Product Recall Insurance](https://spot.insure/compare/beazley-vs-cfc/product-recall)
- [Beazley vs Gallagher Product Recall Insurance](https://spot.insure/compare/beazley-vs-gallagher/product-recall)

## Sources

### CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
5. [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.

### Gallagher

6. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
7. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
8. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
9. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
10. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
11. [Product Recall Insurance](https://www.ajg.com/insurance/product-recall-insurance/). Gallagher; Opening on product defects and recall risk by industry; 2023 recall statistics; The Gallagher Product Recall team; Product recall insurance coverage; Understanding coverage gaps between product liability insurance and product recall insurance. Accessed 2026-09-23.

### Product Recall Insurance Guide

12. [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.
13. [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.
14. [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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