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

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

## Agent Guide

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

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

**Key facts:**
- Line: Product Recall Insurance. Providers: Chubb and WithCoverage.
- 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 WithCoverage](https://spot.insure/compare/chubb-vs-withcoverage) — 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
- [WithCoverage profile](https://spot.insure/insurance-providers/withcoverage) — provider profile

# 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 publishes Recall Plus limits and restricted classes; WithCoverage focuses on CPG and manufacturing recall-risk reviews.

## Chubb vs WithCoverage Product Recall Insurance Summary

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](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)") [3](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")

## 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](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)") [3](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") [2](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management")

### 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](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.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") [3](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")

### 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](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)") [3](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")

## 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](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")
- Ask Chubb whether your CPG SKU sits in a restricted class. [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 whether WithCoverage’s engagement is a mitigation review, a placement, or both. [3](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")
- Compare Chubb’s published retention with whatever retention appears on a WithCoverage-placed form. [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)") [3](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")

## Chubb vs WithCoverage Product Recall Insurance Compared

| 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. [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..) | 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. [3](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Company-reported; scope: 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. [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..) | WithCoverage says its risk-advisory work for CPG and manufacturing clients goes beyond placement to include Business Continuity Planning alongside product-recall risk mitigation. [3](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Company-reported; scope: Risk-advisors Oscar spotlight; describes one advisor's stated approach, not a client engagement the firm describes..) |

## About Chubb and WithCoverage and Product Recall Insurance

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews)
- [WithCoverage company profile](https://spot.insure/insurance-providers/withcoverage) · [WithCoverage customer reviews](https://spot.insure/insurance-providers/withcoverage/reviews)
- [What Is Product Recall Insurance?](https://spot.insure/coverage/product-recall)

## Related Pages for Chubb vs WithCoverage Product Recall Insurance

- [Chubb vs WithCoverage](https://spot.insure/compare/chubb-vs-withcoverage): 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)
- [WithCoverage Product Recall Insurance](https://spot.insure/insurance-providers/withcoverage/product-recall)

## Sources for Chubb vs WithCoverage 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 WithCoverage

2. [Consumer Insurance & Risk Management](https://www.withcoverage.com/industries/consumer). 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.
3. [Commercial Risk Advisor Careers](https://www.withcoverage.com/risk-advisors). 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.

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.

## Agent and Developer Resources

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