---
title: "Gallagher vs WithCoverage Product Recall Insurance"
description: "Gallagher’s recall team places three products with listed event services; WithCoverage documents CPG mitigation reviews."
canonical: "https://spot.insure/compare/gallagher-vs-withcoverage/product-recall"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Gallagher vs WithCoverage Product Recall Insurance

Gallagher’s recall team places three products with listed event services; WithCoverage documents CPG mitigation reviews.

## Research Scope and Use

Use this comparison to evaluate Gallagher and WithCoverage 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, regulatory consulting and training. WithCoverage describes Product Recall Risk Mitigation reviews and business-continuity planning for CPG and manufacturing clients, without naming an insurer. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") [11](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")

## 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 WithCoverage?

WithCoverage combines commercial insurance brokerage, a risk-management team and software for growing businesses. Buyers can request a review of existing policies, compare insurance options and manage their program with its team. [7](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") [8](https://www.withcoverage.com/company "About WithCoverage") [9](https://www.withcoverage.com/announcement "WithCoverage Raises $42M Series B")

[WithCoverage profile](https://spot.insure/insurance-providers/withcoverage)

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

## Key Differences in Product Recall Insurance

### Full-Time Recall Team Versus CPG Advisor Counsel

Gallagher and WithCoverage both broker this line. Gallagher’s Product Recall team places three named products and says those specialists spend all their time on this risk. WithCoverage’s reviewed sources describe one advisor’s Product Recall Risk Mitigation reviews for CPG and manufacturing accounts, alongside business-continuity planning. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") [11](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")

### Where Recall Appears in Public Copy

Gallagher publishes a dedicated product-recall practice page with industry recall counts and USDA gap figures versus product liability. WithCoverage names recall in the consumer hero but does not include recall in the FAQ’s itemized program-audit list. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") [10](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management")

### Segment Breadth

Gallagher markets across food and beverage, automotive, medical device, pharmaceutical, restaurant and consumer goods. WithCoverage’s reviewed recall work is presented as CPG and manufacturing stewardship with direct carrier negotiation. Neither names the issuing insurer or publishes limits. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") [11](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")

## What to Confirm in Product Recall Insurance Quotes

- Ask Gallagher which of the three products applies to a CPG account. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")
- Ask WithCoverage whether the engagement includes a bound policy or only a mitigation review. [11](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")
- Confirm which forensic, regulatory or training services Gallagher will staff. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance")
- Get carrier names from both brokers. [6](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") [11](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")

## Offering Details

| Criteria | Gallagher Product Recall Insurance | WithCoverage Product Recall Risk Mitigation Review (Consumer/CPG) |
| --- | --- | --- |
| 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..) | 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. [11](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..) |
| 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 pages do not name which insurer or insurers WithCoverage places product recall coverage with. [10](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") [11](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Not found in reviewed sources; scope: Consumer industry page and risk-advisors page as read on 2026-09-23..) |
| 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..) | 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. [11](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Company-reported; scope: Risk-advisors Oscar spotlight..) |
| 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..) | 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. [10](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") (Evidence: Not found in reviewed sources; scope: Consumer industry page hero and FAQ..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | WithCoverage says its risk-advisory work for CPG and manufacturing clients goes beyond placement to include Business Continuity Planning alongside product-recall risk mitigation. [11](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 documented client engagement..) |

## Full Comparison

- [Gallagher vs WithCoverage](https://spot.insure/compare/gallagher-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 help pay specified costs of withdrawing a product, such as notification, shipping and disposal.
- [Gallagher vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-withcoverage/commercial-property)
- [Gallagher vs WithCoverage General Liability Insurance](https://spot.insure/compare/gallagher-vs-withcoverage/general-liability)
- [Gallagher vs WithCoverage Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-withcoverage/umbrella-excess)
- [Gallagher vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-withcoverage/workers-compensation)
- [Alliance Risk vs Gallagher Product Recall Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/product-recall)
- [Alliance Risk vs WithCoverage Product Recall Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/product-recall)
- [Amelia Risk vs Gallagher Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/product-recall)
- [Amelia Risk vs WithCoverage Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-withcoverage/product-recall)
- [Beazley vs Gallagher Product Recall Insurance](https://spot.insure/compare/beazley-vs-gallagher/product-recall)
- [Beazley vs WithCoverage Product Recall Insurance](https://spot.insure/compare/beazley-vs-withcoverage/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.

### WithCoverage

7. [Commercial Insurance & Risk Management](https://www.withcoverage.com/). WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
8. [About WithCoverage](https://www.withcoverage.com/company). WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
9. [WithCoverage Raises $42M Series B](https://www.withcoverage.com/announcement). WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
10. [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.
11. [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.

### Product Recall Insurance Guide

12. [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.
13. [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.
14. [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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