Chubb vs Coverdash Product Recall Insurance

Chubb underwrites product recall insurance directly through Recall Plus for Consumer Goods, aimed at both new and established business owners producing consumer goods. ⁴Company-reported. Recall Plus for Consumer Goods product page.

Coverdash arranges product recall coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^7,8Company-reported. General brokerage terms applied to the product recall page; not specific to any one carrier or state.

Not described in the reviewed sources.

The product recall page does not name the insurer that issues the policy. ⁸Not publicly disclosed. Reviewed product recall page as of 2026-09-23; the page describes coverage without naming a specific carrier.

Chubb primarily targets companies with sales up to $1 billion; companies above $1 billion are considered with a high self-insured retention or on an excess basis. Target risks include manufacturers, importers, distributors, wholesalers and retailers of finished consumer products such as appliances, electronics, clothing, furniture, household goods, children's products and sporting goods. ⁴Company-reported. Client Profile section.

Coverdash markets product recall coverage to manufacturers, distributors and retailers of food, consumer goods or components. ⁸Company-reported. Product-page eligibility description; actual acceptance depends on underwriting.

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. ⁴Company-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. ⁴Company-reported. Restricted Classes list.

Coverdash describes product recall coverage as paying notification, shipping and disposal costs of a recall, reimbursing lost income during a covered recall, covering rehabilitation costs to restore the brand and sales afterward, and covering recall costs incurred by the business's own customers or distributors. ⁸Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.

Coverdash's coverage hub lists product recall separately from product liability; the recall page focuses on the cost of pulling a product from the market rather than injury or property-damage claims, which the product-liability page covers instead. ^9,8Company-reported. Comparison of the two Excess & Specialty product pages; does not establish whether one policy can be bought without the other.

Chubb publishes a $5,000 minimum self-insured retention ($2,500 minimum for small businesses) and says its Product Recall unit has $5 million in limits available on a primary and excess basis, with additional capacity considered case by case. ⁴Company-reported. Coverage Highlights, Minimums and Limits sections.

The product recall page does not publish specific limit, retention or deductible amounts. ⁸Not publicly disclosed. Reviewed product recall page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

Chubb says businesses get 24/7 access to a network of specialized product-recall consultants on a post-incident basis, described as leading industry professionals familiar with product-recall regulatory challenges. ⁴Company-reported. Specialized Consultants section.

Not described in the reviewed sources.

Chubb publishes a Recall Plus application for non-food products and provides an email address for product-recall insurance questions. ⁴Company-reported. Related Resources and Contact sections.

Coverdash describes a fully digital quote-to-purchase process for product recall coverage, with the option to add other coverages alongside it. ⁸Company-reported. Product-page company information and cross-sell section.