--- title: "CFC vs Gallagher: Product Recall Insurance" description: "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." canonical: "https://spot.insure/compare/cfc-vs-gallagher/product-recall" page-type: "line-comparison" updated-at: "2026-09-29" comparison-pair: "cfc-vs-gallagher" provider-a: "cfc" provider-b: "gallagher" 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-gallagher/product-recall) ## Agent Guide **What this page is:** Focused comparison of CFC and Gallagher 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 Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - CFC vs Gallagher for Product Recall Insurance: how do they differ? - Which is better for Product Recall Insurance, CFC or Gallagher? - What does CFC or Gallagher publish about Product Recall Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Product Recall Insurance. Providers: CFC and Gallagher. - 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 Gallagher](https://spot.insure/compare/cfc-vs-gallagher) — 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 - [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile # 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 food-contamination and general recall products; Gallagher places three named recall products across food and other sectors. ## CFC vs Gallagher Product Recall Insurance Summary 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](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") [3](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") ## 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](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") [3](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. [1](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") [3](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. [1](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") [3](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") ## 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](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. [1](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. [3](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") - Request limits and retentions; neither reviewed page publishes them. [1](https://www.cfc.com/en-us/products/class/product-recall/ "Product Recall Insurance | Product Contamination Insurance | CFC") [3](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") ## CFC vs Gallagher Product Recall Insurance Compared | 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. [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..)

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..)

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..) | 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. [3](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..) | | 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..) | Gallagher's Product Recall team places Product Recall, Product Contamination and Restaurant Contamination insurance with outside carriers; Gallagher does not underwrite the policy. [3](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: Group-level product recall practice page..) | ## About CFC and Gallagher and Product Recall Insurance - [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews) - [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews) - [What Is Product Recall Insurance?](https://spot.insure/coverage/product-recall) ## Related Pages for CFC vs Gallagher Product Recall Insurance - [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 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) - [Gallagher Product Recall Insurance](https://spot.insure/insurance-providers/gallagher/product-recall) ## Sources for CFC vs Gallagher 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 Gallagher 3. [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. 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-gallagher/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)