Coverdash vs Gallagher Product Recall Insurance

Coverdash arranges product recall coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^3,4Company-reported. General brokerage terms applied to the product recall page; not specific to any one carrier or state.

Gallagher's Product Recall team places Product Recall, Product Contamination and Restaurant Contamination insurance with outside carriers; Gallagher does not underwrite the policy. ¹¹Company-reported. Group-level product recall practice page.

The product recall page does not name the insurer that issues the policy. ⁴Not publicly disclosed. Reviewed product recall page as of 2026-09-23; the page describes coverage without naming a specific carrier.

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. ¹¹Not publicly disclosed. Checked the group-level product recall practice page.

Coverdash markets product recall coverage to manufacturers, distributors and retailers of food, consumer goods or components. ⁴Company-reported. Product-page eligibility description; actual acceptance depends on underwriting.

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. ¹¹Company-reported. Group-level product recall practice page; industry-wide statistics, not eligibility criteria for a specific applicant.

Coverdash describes product recall coverage as paying notification, shipping and disposal costs of a recall, reimbursing lost income during a covered recall, covering rehabilitation costs to restore the brand and sales afterward, and covering recall costs incurred by the business's own customers or distributors. ⁴Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.

Coverdash's coverage hub lists product recall separately from product liability; the recall page focuses on the cost of pulling a product from the market rather than injury or property-damage claims, which the product-liability page covers instead. ^5,4Company-reported. Comparison of the two Excess & Specialty product pages; does not establish whether one policy can be bought without the other.

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. ¹¹Company-reported. Group-level product recall practice page; a general market statistic attributed to USDA, not specific to any client's policy.

The product recall page does not publish specific limit, retention or deductible amounts. ⁴Not publicly disclosed. Reviewed product recall page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

The product recall page does not publish limits, retentions or premium ranges. ¹¹Not publicly disclosed. Checked the group-level product recall practice page.

Not described in the reviewed sources.

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. ¹¹Company-reported. Group-level product recall practice page.

Coverdash describes a fully digital quote-to-purchase process for product recall coverage, with the option to add other coverages alongside it. ⁴Company-reported. Product-page company information and cross-sell section.

Not described in the reviewed sources.