---
title: "Chubb vs Gallagher: Product Recall Insurance"
description: "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."
canonical: "https://spot.insure/compare/chubb-vs-gallagher/product-recall"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-gallagher"
provider-a: "chubb"
provider-b: "gallagher"
coverage-line: "product-recall"
---

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

## Agent Guide

**What this page is:** Focused comparison of Chubb 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 Chubb versus Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Chubb vs Gallagher for Product Recall Insurance: how do they differ?
- Which is better for Product Recall Insurance, Chubb or Gallagher?
- What does Chubb or Gallagher publish about Product Recall Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Product Recall Insurance. Providers: Chubb 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 2026-09-25.

**Related pages:**
- [Chubb vs Gallagher](https://spot.insure/compare/chubb-vs-gallagher) — all coverage lines for this pair
- [Product Recall Insurance guide](https://spot.insure/coverage/product-recall) — how this coverage works
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

# 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 publishes Recall Plus limits and class restrictions; Gallagher offers three recall products and a specialist team serving more industries.

## Chubb vs Gallagher Product Recall Insurance Summary

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](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)") [2](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

## 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](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)") [2](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. [1](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)") [2](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. [1](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)") [2](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. [1](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)") [2](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")

## 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](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")
- Ask Chubb whether your class is restricted and what retention applies. [1](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. [2](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. [2](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") [1](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)")

## Chubb vs Gallagher Product Recall Insurance Compared

| 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. [1](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. [2](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. [1](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. [1](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. [2](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 | Chubb underwrites product recall insurance directly through Recall Plus for Consumer Goods, aimed at both new and established business owners producing consumer goods. [1](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. [2](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: 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. [1](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. [2](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: Group-level product recall practice page..) |

## About Chubb and Gallagher and Product Recall Insurance

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/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 Chubb vs Gallagher Product Recall Insurance

- [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 pay specified costs to locate and withdraw a product after a covered problem; product liability does not automatically pay recall costs.
- [Chubb Product Recall Insurance](https://spot.insure/insurance-providers/chubb/product-recall)
- [Gallagher Product Recall Insurance](https://spot.insure/insurance-providers/gallagher/product-recall)

## Sources for Chubb vs Gallagher Product Recall Insurance

### Sources About Chubb

1. [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.

### Sources About Gallagher

2. [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 2026-09-25. 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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