Chubb vs 
WithCoverage Product Recall Insurance
Chubb underwrites Recall Plus with published limits; WithCoverage documents CPG recall-mitigation reviews.
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. 1,2,3
What Is WithCoverage?
WithCoverage combines commercial insurance brokerage, a risk-management team and software for growing businesses. Buyers can request a review of existing policies, compare insurance options and manage their program with its team. 5,6,7
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. 10,11,12
Key Differences in Product Recall Insurance
Issued Policy Versus Mitigation Counsel
Chubb underwrites Recall Plus for Consumer Goods. WithCoverage is a broker: it says a team member provides Product Recall Risk Mitigation reviews and business-continuity planning for CPG and manufacturing accounts, beyond placing a policy. WithCoverage’s reviewed pages do not name which insurer it places recall with. 4 9
Limits and Restricted Classes
Chubb publishes a $5,000 minimum self-insured retention ($2,500 for small businesses), $5 million in limits available primary and excess, a sales target up to $1 billion, and restricted classes such as drop-side cribs, e-cigarettes, fireworks and third-party component goods. WithCoverage’s reviewed consumer and advisor pages do not publish recall limits, retentions or restricted-class lists. 4 8 9
Who the Pages Address
Chubb aims Recall Plus at new and established owners producing finished consumer goods, including manufacturers, importers, distributors, wholesalers and retailers of appliances, electronics, clothing, furniture, household goods, children’s products and sporting goods. WithCoverage says a team member stewards CPG and manufacturing accounts and negotiates recall-related risk with carriers, indicating this line is served primarily for those clients rather than as a general offering. 4 9
What to Confirm in Product Recall Insurance Quotes
- Ask WithCoverage whether it will bind a recall policy and whether Chubb is the intended market. 9
- Ask Chubb whether your CPG SKU sits in a restricted class. 4
- Confirm whether WithCoverage’s engagement is a mitigation review, a placement, or both. 9
- Compare Chubb’s published retention with whatever retention appears on a WithCoverage-placed form. 4 9
Offering Details
Chubb vs WithCoverage Product Recall Insurance: documented features by provider
| Criteria | Chubb Recall Plus for Consumer Goods | WithCoverage Product Recall Risk Mitigation Review (Consumer/CPG) |
|---|---|---|
| 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. 4Company-reported. Recall Plus for Consumer Goods product page. | WithCoverage is a broker, not an insurer; for CPG and manufacturing clients it says it provides strategic counsel that includes Product Recall Risk Mitigation reviews, beyond just placing a policy. 9Company-reported. Risk-advisors Oscar spotlight, describing one advisor's named practice area. |
| Issuing Insurer | Not described in the reviewed sources. | The reviewed pages do not name which insurer or insurers WithCoverage places product recall coverage with. 8,9Not found in reviewed sources. Consumer industry page and risk-advisors page as read on 2026-09-23. |
| 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. 4Company-reported. Client Profile section. | WithCoverage says a team member stewards CPG and manufacturing accounts and negotiates recall-related risk with carriers directly, indicating this line is served primarily for consumer-packaged-goods and manufacturing clients rather than as a general offering. 9Company-reported. Risk-advisors Oscar spotlight. |
| 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. 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. | Product recall is named in the consumer page's hero as a key exposure, but the same page's itemized program-audit list ("General Liability, Product Liability, Workers' Comp, Property, umbrella") does not include recall by name. 8Not found in reviewed sources. Consumer industry page hero and FAQ. |
| 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. 4Company-reported. Coverage Highlights, Minimums and Limits sections. | Not described in the reviewed sources. |
| 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. 4Company-reported. Specialized Consultants section. | WithCoverage says its risk-advisory work for CPG and manufacturing clients goes beyond placement to include Business Continuity Planning alongside product-recall risk mitigation. 9Company-reported. Risk-advisors Oscar spotlight; describes one advisor's stated approach, not a documented client engagement. |
| How to Apply | 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. | Not described in the reviewed sources. |
Full Comparison
More Chubb vs WithCoverage Comparisons
Other Product Recall Insurance Comparisons
Sources
Chubb
- Insurance For Technology Companies. 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.
- Terms Of Use. 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.
- Cyber Insurance Coverage & Products. 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.
- Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods). Chubb; Coverage Highlights: Minimums, Limits, Restricted Classes; Client Profile section; Specialized Consultants section. Accessed 2026-09-23.
WithCoverage
- Commercial Insurance & Risk Management. WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
- About WithCoverage. WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
- WithCoverage Raises $42M Series B. WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
- Consumer Insurance & Risk Management. WithCoverage; Hero: "One gap in product liability, recall, or cargo coverage can wipe out a season of growth"; Have Questions? program-audit FAQ listing General Liability, Product Liability, Workers' Comp, Property, umbrella. Accessed 2026-09-23.
- Commercial Risk Advisor Careers. WithCoverage; Oscar spotlight: "My focus extends beyond placement into strategic counsel, guiding clients through Business Continuity Planning and Product Recall Risk Mitigation reviews". Accessed 2026-09-23.
Product Recall Insurance Guide
- 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.
- 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.
- Commercial General Liability Coverage Form. 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.
