Chubb vs Gallagher: How Do They Compare for Product Recall Insurance?

Chubb underwrites Recall Plus for consumer goods and primarily targets companies with sales up to $1 billion; Gallagher is a broker whose recall-only team places cover with outside carriers across food, automotive, medical device and pharma.

Chubb Recall Plus offers up to $5 million for eligible finished goods with sales generally up to $1 billion; Gallagher places three recall products across food, restaurant, auto, device and pharma. ^1,²

What Are the Key Differences Between Chubb and Gallagher Product Recall Insurance?

Carrier Product Versus Specialist Placement

For Chubb, product class and sales are decisive: it targets finished goods up to $1 billion and restricts items including drop-side cribs, e-cigarettes, fireworks and third-party components. Gallagher’s wider stated sectors may fit exposures outside that appetite, and it lists claims advocacy, forensic accounting, regulatory consulting and training. Gallagher does not publish limits on the reviewed page, so request its proposed limit and retention alongside Chubb’s figures. ¹ ²

Limits and Retentions

Chubb publishes a $5,000 minimum self-insured retention ($2,500 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. Gallagher’s product recall page does not publish limits, retentions or premium ranges. ¹ ²

Who Each Side Markets To

Chubb primarily targets companies with sales up to $1 billion and lists manufacturers, importers, distributors, wholesalers and retailers of finished consumer products such as appliances, electronics, clothing, furniture, household goods, children’s products and sporting goods, while restricting drop-side cribs, e-cigarettes, fireworks, and products incorporated as a component of a third party’s goods. Gallagher markets to manufacturers and supply-chain participants across food and beverage, automotive, medical device, pharmaceutical, restaurant and consumer-goods segments. ¹ ²

Consultants Versus Practice Services

Chubb says businesses get 24/7 access to a network of specialized product-recall consultants on a post-incident basis. Gallagher lists claims advocacy, forensic accounting, contractual feedback on recall liability, regulatory consulting, coverage advisory, business-continuity planning and staff training tied to a recall event. ¹ ²

What Should You Confirm in Chubb and Gallagher Product Recall Insurance Quotes?

Ask Gallagher whether Chubb is the market on the quote or a different carrier, and which of the three Gallagher products applies. ²
Ask Chubb whether your class is restricted and what retention applies. ¹
Confirm which Gallagher services are in the brokerage fee. ²
If you need restaurant or pharmaceutical contamination cover, ask Gallagher how that maps to Chubb’s consumer-goods form. ² ¹

Chubb vs Gallagher Product Recall Insurance Compared

Chubb vs Gallagher: Product Recall Insurance: documented features by provider

Criteria	Chubb Recall Plus for Consumer Goods	Gallagher Product Recall Insurance
Who It’s For	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. ¹Company-reported. Client Profile section.	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. ²Company-reported. Group-level product recall practice page; industry-wide statistics, not eligibility criteria for a specific applicant.
Coverage Features	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. ¹Company-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. ¹Company-reported. Restricted Classes list.	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. ²Company-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	Chubb underwrites product recall insurance directly through Recall Plus for Consumer Goods, aimed at both new and established business owners producing consumer goods. ¹Company-reported. Recall Plus for Consumer Goods product page.	Gallagher's Product Recall team places Product Recall, Product Contamination and Restaurant Contamination insurance with outside carriers; Gallagher does not underwrite the policy. ²Company-reported. Group-level product recall practice page.
Risk Services	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. ¹Company-reported. Specialized Consultants section.	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. ²Company-reported. Group-level product recall practice page.