---
title: "Gallagher vs Newfront Product Recall Insurance"
description: "Gallagher’s recall team places three contamination products; Newfront names recall inside life-science program design."
canonical: "https://spot.insure/compare/gallagher-vs-newfront/product-recall"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Gallagher vs Newfront Product Recall Insurance

Gallagher’s recall team places three contamination products; Newfront names recall inside life-science program design.

## Research Scope and Use

Use this comparison to evaluate Gallagher and Newfront for Product Recall Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Gallagher’s Product Recall team places Product Recall, Product Contamination and Restaurant Contamination and lists forensic accounting and regulatory consulting. Newfront’s life-science brokers design programs covering supply chain, clinical trials, product liability and recall, without publishing policy grants. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") [11](https://www.newfront.com/industries/life-science "Life Science")

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## What Is Newfront?

Newfront is a business-insurance and employee-benefits brokerage that combines specialist teams with online policy-management tools. It is now part of WTW. [7](https://www.newfront.com/business-insurance "Business Insurance") [8](https://www.newfront.com/total-rewards "Employee Benefits") [9](https://www.newfront.com/navigator "Newfront Navigator") [10](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

[Newfront profile](https://spot.insure/insurance-providers/newfront)

## 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. [13](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [14](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [15](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in Product Recall Insurance

### Dedicated Recall Practice Versus Life-Science Practice

Gallagher and Newfront both broker this line. Gallagher maintains a Product Recall team that places Product Recall, Product Contamination and Restaurant Contamination across food, automotive, medical device, pharmaceutical, restaurant and consumer goods. Newfront names recall inside its life-science practice, grouped with supply chain, clinical trials and product liability for pharmaceutical, device and R&D companies. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") [11](https://www.newfront.com/industries/life-science "Life Science")

### Services Each Firm Documents

Gallagher lists claims advocacy, forensic accounting, contractual feedback on recall liability, regulatory consulting, coverage advisory, business-continuity planning and staff training. Newfront says its life-science risk managers design product liability and recall programs, covering exposures, limits and mitigation for that segment. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") [11](https://www.newfront.com/industries/life-science "Life Science")

### What the Reviewed Pages Say About Policy Wording

Gallagher says product recall insurance is designed to fill a gap left by general liability and product liability, citing USDA data that roughly 80% of food and agribusiness losses from a food-borne illness event fall outside a standard product liability policy. Newfront’s reviewed page names recall as a program-design area alongside product liability but does not describe a specific recall policy’s insuring agreement, covered recall triggers, or exclusions. Neither reviewed page names an insurer for this line. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") [11](https://www.newfront.com/industries/life-science "Life Science")

## What to Confirm in Product Recall Insurance Quotes

- Ask Gallagher whether Restaurant Contamination or medical-device recall is the intended product. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")
- Ask Newfront how recall sits with clinical-trial and product-liability placements. [11](https://www.newfront.com/industries/life-science "Life Science")
- Confirm which Gallagher services are included for a life-science account. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")
- Get carrier names and limits from both; Gallagher’s page does not publish limits, and Newfront’s reviewed page does not either. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") [11](https://www.newfront.com/industries/life-science "Life Science")

## Offering Details

| Criteria | Gallagher Product Recall Insurance | Newfront Life Science Product Recall Insurance |
| --- | --- | --- |
| Role in This Line | Gallagher's Product Recall team places Product Recall, Product Contamination and Restaurant Contamination insurance with outside carriers; Gallagher does not underwrite the policy. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: Group-level product recall practice page..) | Newfront says its life-science team designs risk-management programs covering "supply chain, clinical trials, product liability and recall," naming recall as a documented part of the coverage it arranges for life-science clients. Newfront brokers this coverage; it does not underwrite it. [11](https://www.newfront.com/industries/life-science "Life Science") (Evidence: Company-reported; scope: Life Science industry page's Insightful risk management paragraph..) |
| Issuing Insurer | 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. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level product recall practice page..) | The reviewed page does not name an insurer for product-recall placements; as a broker, Newfront's carrier for this line would depend on the placement. [11](https://www.newfront.com/industries/life-science "Life Science") (Evidence: Not found in reviewed sources; scope: Checked the Life Science industry page for a named recall carrier; none was found..) |
| Who It’s For | 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. [6](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..) | Newfront says its life-science practice works with companies across the lifecycle, from early-stage venture-backed startups through multibillion-dollar public companies in pharmaceuticals, medical devices and R&D, where a product recall would be relevant. [11](https://www.newfront.com/industries/life-science "Life Science") (Evidence: Company-reported; scope: Life Science industry page's partner-for-your-entire-lifecycle section; a practice-wide statement, not a recall-specific eligibility threshold..) |
| Coverage Features | 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. [6](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..) | The reviewed page names recall as a program-design area alongside product liability but does not describe a specific recall policy's insuring agreement, covered recall triggers, or exclusions; that detail would come from the placed policy. [11](https://www.newfront.com/industries/life-science "Life Science") (Evidence: Not found in reviewed sources; scope: Life Science industry page as read on 2026-09-23; only a program-design listing was found for recall specifically..) |
| Limits and Retentions | The product recall page does not publish limits, retentions or premium ranges. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level product recall practice page..) | Published limits or retentions for product-recall coverage were not found on the reviewed page. [11](https://www.newfront.com/industries/life-science "Life Science") (Evidence: Not publicly disclosed; scope: Life Science industry page as read on 2026-09-23; limits are quote-specific for broker placements..) |
| Risk Services | 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. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: Group-level product recall practice page..) | Newfront says its life-science risk managers design product liability and recall programs, covering exposures, limits and mitigation for that segment. [11](https://www.newfront.com/industries/life-science "Life Science") (Evidence: Company-reported; scope: Life Science industry page's subject-matter-expertise section; grouped with product liability rather than recall-exclusive..) |
| How to Apply | Not described in the reviewed sources. | You engage Newfront for product-recall placement by requesting a consultation, which asks for your industry, company details and the service you need rather than issuing an instant quote. [12](https://www.newfront.com/talk-to-an-expert "Get Started Today") (Evidence: Company-reported; scope: General consultation intake, not a recall-specific application path..) |

## Full Comparison

- [Gallagher vs Newfront](https://spot.insure/compare/gallagher-vs-newfront): all coverage lines, business roles, service and claims.
- [What Is Product Recall Insurance?](https://spot.insure/coverage/product-recall): Product recall insurance can help pay specified costs of withdrawing a product, such as notification, shipping and disposal.
- [Gallagher vs Newfront Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-newfront/commercial-auto)
- [Gallagher vs Newfront Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-newfront/commercial-property)
- [Gallagher vs Newfront Crime Insurance](https://spot.insure/compare/gallagher-vs-newfront/crime)
- [Gallagher vs Newfront Cyber Insurance](https://spot.insure/compare/gallagher-vs-newfront/cyber)
- [Gallagher vs Newfront D&O Insurance](https://spot.insure/compare/gallagher-vs-newfront/directors-officers)
- [Gallagher vs Newfront Employee Health Benefits](https://spot.insure/compare/gallagher-vs-newfront/employee-health-benefits)
- [Gallagher vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-newfront/employment-practices)
- [Gallagher vs Newfront Fidelity Bonds](https://spot.insure/compare/gallagher-vs-newfront/fidelity-bonds)
- [Gallagher vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-newfront/fiduciary)
- [Gallagher vs Newfront General Liability Insurance](https://spot.insure/compare/gallagher-vs-newfront/general-liability)
- [Gallagher vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-newfront/professional-errors-omissions)
- [Gallagher vs Newfront Representations and Warranties Insurance](https://spot.insure/compare/gallagher-vs-newfront/representations-warranties)
- [Gallagher vs Newfront Surety Bonds](https://spot.insure/compare/gallagher-vs-newfront/surety-bonds)
- [Gallagher vs Newfront Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-newfront/technology-errors-omissions)
- [Gallagher vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-newfront/umbrella-excess)
- [Gallagher vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-newfront/workers-compensation)
- [Alliance Risk vs Gallagher Product Recall Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/product-recall)
- [Alliance Risk vs Newfront Product Recall Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/product-recall)
- [Amelia Risk vs Gallagher Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/product-recall)
- [Amelia Risk vs Newfront Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/product-recall)
- [Beazley vs Gallagher Product Recall Insurance](https://spot.insure/compare/beazley-vs-gallagher/product-recall)
- [Beazley vs Newfront Product Recall Insurance](https://spot.insure/compare/beazley-vs-newfront/product-recall)

## Sources

### Gallagher

1. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
6. [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.

### Newfront

7. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
8. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
9. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
10. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
11. [Life Science](https://www.newfront.com/industries/life-science). Newfront; Insightful risk management: "we excel in program design for supply chain, clinical trials, product liability and recall"; Subject matter expertise section. Accessed 2026-09-23.
12. [Get Started Today](https://www.newfront.com/talk-to-an-expert). Newfront; Consultation form: schedule a consultation to see how Newfront can reduce your risk. Accessed 2026-09-23.

### Product Recall Insurance Guide

13. [Product liability, recall and contamination insurance](https://www.iii.org/article/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.
14. [Facts + Statistics: Product liability](https://www.iii.org/fact-statistic/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.
15. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). 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.

Updated 2026-09-23. 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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