---
title: "Chubb vs Gallagher Product Recall Insurance"
description: "Chubb underwrites Recall Plus with published limits; Gallagher’s team places recall, contamination and restaurant contamination."
canonical: "https://spot.insure/compare/chubb-vs-gallagher/product-recall"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

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

# Chubb vs Gallagher Product Recall Insurance

Chubb underwrites Recall Plus with published limits; Gallagher’s team places recall, contamination and restaurant contamination.

## Research Scope and Use

Use this comparison to evaluate Chubb 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

Chubb underwrites Recall Plus with a $5 million unit limit, minimum retentions and restricted classes. Gallagher brokers Product Recall, Product Contamination and Restaurant Contamination through a dedicated team that lists forensic accounting, regulatory consulting and training. [4](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") [10](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

## What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## 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. [5](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [6](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [9](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. [11](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [12](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [13](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in Product Recall Insurance

### Carrier Product Versus Specialist Placement

Chubb underwrites Recall Plus for Consumer Goods. Gallagher’s Product Recall team places Product Recall, Product Contamination and Restaurant Contamination with outside carriers and does not underwrite. Gallagher does not name those carriers on the reviewed page. [4](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") [10](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

### 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. [4](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") [10](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

### 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. [4](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") [10](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

### 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. [4](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") [10](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

## What to Confirm in 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. [10](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")
- Ask Chubb whether your class is restricted and what retention applies. [4](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)")
- Confirm which Gallagher services are in the brokerage fee. [10](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")
- If you need restaurant or pharmaceutical contamination cover, ask Gallagher how that maps to Chubb’s consumer-goods form. [10](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") [4](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)")

## Offering Details

| Criteria | Chubb Recall Plus for Consumer Goods | Gallagher Product Recall Insurance |
| --- | --- | --- |
| 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. [4](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: 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. [10](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: Group-level product recall practice page..) |
| Issuing Insurer | Not described in the reviewed sources. | 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. [10](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 | 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. [4](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: 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. [10](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 | 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. [4](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: Coverage Highlights section; subject to the policy as issued..)<br><br>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. [4](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: 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. [10](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 | 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. [4](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: Coverage Highlights, Minimums and Limits sections..) | The product recall page does not publish limits, retentions or premium ranges. [10](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 | 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. [4](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: 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. [10](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: Group-level product recall practice page..) |
| How to Apply | Chubb publishes a Recall Plus application for non-food products and provides an email address for product-recall insurance questions. [4](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)") (Evidence: Company-reported; scope: Related Resources and Contact sections..) | Not described in the reviewed sources. |

## Full Comparison

- [Chubb vs Gallagher](https://spot.insure/compare/chubb-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.
- [Chubb vs Gallagher Business Owner’s Policy](https://spot.insure/compare/chubb-vs-gallagher/business-owners-policy)
- [Chubb vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-gallagher/commercial-auto)
- [Chubb vs Gallagher Commercial Property Insurance](https://spot.insure/compare/chubb-vs-gallagher/commercial-property)
- [Chubb vs Gallagher Crime Insurance](https://spot.insure/compare/chubb-vs-gallagher/crime)
- [Chubb vs Gallagher Cyber Insurance](https://spot.insure/compare/chubb-vs-gallagher/cyber)
- [Chubb vs Gallagher D&O Insurance](https://spot.insure/compare/chubb-vs-gallagher/directors-officers)
- [Chubb vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-gallagher/employment-practices)
- [Chubb vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-gallagher/fiduciary)
- [Chubb vs Gallagher General Liability Insurance](https://spot.insure/compare/chubb-vs-gallagher/general-liability)
- [Chubb vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-gallagher/kidnap-ransom)
- [Chubb vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-gallagher/professional-errors-omissions)
- [Chubb vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-gallagher/representations-warranties)
- [Chubb vs Gallagher Surety Bonds](https://spot.insure/compare/chubb-vs-gallagher/surety-bonds)
- [Chubb vs Gallagher Tech E&O Insurance](https://spot.insure/compare/chubb-vs-gallagher/technology-errors-omissions)
- [Chubb vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-gallagher/umbrella-excess)
- [Chubb vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-gallagher/workers-compensation)
- [Alliance Risk vs Chubb Product Recall Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/product-recall)
- [Alliance Risk vs Gallagher Product Recall Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/product-recall)
- [Amelia Risk vs Chubb Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/product-recall)
- [Amelia Risk vs Gallagher Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/product-recall)
- [Beazley vs Chubb Product Recall Insurance](https://spot.insure/compare/beazley-vs-chubb/product-recall)
- [Beazley vs Gallagher Product Recall Insurance](https://spot.insure/compare/beazley-vs-gallagher/product-recall)

## Sources

### Chubb

1. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
4. [Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html). Chubb; Coverage Highlights: Minimums, Limits, Restricted Classes; Client Profile section; Specialized Consultants section. Accessed 2026-09-23.

### Gallagher

5. [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.
6. [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.
7. [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.
8. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
9. [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.
10. [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

11. [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.
12. [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.
13. [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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/chubb-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)