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

Chubb underwrites Recall Plus for consumer-goods makers with published limits and retentions; WithCoverage is a broker whose recall work for packaged-goods and manufacturing clients includes mitigation reviews and continuity planning.

Chubb Recall Plus targets eligible finished consumer goods, with up to $5 million in limits and sales generally up to $1 billion; WithCoverage offers CPG and manufacturing risk reviews. ^1,³

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

Issued Policy Versus Mitigation Counsel

Chubb’s stated target reaches manufacturers, importers, distributors, wholesalers and retailers with sales up to $1 billion, but excludes or restricts classes such as e-cigarettes, fireworks and third-party component goods. That gives eligible consumer-goods buyers a concrete starting point; firms outside that appetite need another market. WithCoverage’s reviewed pages do not identify an insurer or limits, so ask whether it can place a policy for your specific product and what its mitigation work includes. ¹ ³ ²

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 WithCoverage’s reviewed consumer and advisor pages do not publish recall limits, retentions or restricted-class lists. ¹ ² ³

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. ¹ ³

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

Ask WithCoverage whether it will bind a recall policy and whether Chubb is the intended market. ³
Ask Chubb whether your CPG SKU sits in a restricted class. ¹
Confirm whether WithCoverage’s engagement is a mitigation review, a placement, or both. ³
Compare Chubb’s published retention with whatever retention appears on a WithCoverage-placed form. ¹ ³

Chubb vs WithCoverage Product Recall Insurance Compared

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)
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.	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. ³Company-reported. Risk-advisors Oscar spotlight.
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.	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. ³Company-reported. Risk-advisors Oscar spotlight, describing one advisor's named practice area.
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.	WithCoverage says its risk-advisory work for CPG and manufacturing clients goes beyond placement to include Business Continuity Planning alongside product-recall risk mitigation. ³Company-reported. Risk-advisors Oscar spotlight; describes one advisor's stated approach, not a client engagement the firm describes.