Gallagher vs WithCoverage Product Recall Insurance

Gallagher's Product Recall team places Product Recall, Product Contamination and Restaurant Contamination insurance with outside carriers; Gallagher does not underwrite the policy. ⁶Company-reported. Group-level product recall practice 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. ¹¹Company-reported. Risk-advisors Oscar spotlight, describing one advisor's named practice area.

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. ⁶Not publicly disclosed. Checked the group-level product recall practice page.

The reviewed pages do not name which insurer or insurers WithCoverage places product recall coverage with. ^10,11Not found in reviewed sources. Consumer industry page and risk-advisors page as read on 2026-09-23.

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. ⁶Company-reported. Group-level product recall practice page; industry-wide statistics, not eligibility criteria for a specific applicant.

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. ¹¹Company-reported. Risk-advisors Oscar spotlight.

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. ⁶Company-reported. Group-level product recall practice page; a general market statistic attributed to USDA, not specific to any client's policy.

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. ¹⁰Not found in reviewed sources. Consumer industry page hero and FAQ.

The product recall page does not publish limits, retentions or premium ranges. ⁶Not 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. ⁶Company-reported. Group-level product recall practice page.

WithCoverage says its risk-advisory work for CPG and manufacturing clients goes beyond placement to include Business Continuity Planning alongside product-recall risk mitigation. ¹¹Company-reported. Risk-advisors Oscar spotlight; describes one advisor's stated approach, not a documented client engagement.