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Product Recall Insurance in Florida

FDACS says Rule 5K-4002 adopts Part 117 for manufactured-food establishments, with exemptions and modified qualified-facility requirements; a written recall plan is required when a hazard analysis identifies a hazard requiring a preventive control. Separately, §500.172 bars disposal of embargoed food without permission and permits destruction at the claimant’s expense after condemnation. 1,2

What Is Product Recall?

Product recall insurance can pay specified costs to locate and withdraw a product after a covered problem. It fits businesses that could face recall logistics; product liability does not automatically pay those costs, so compare the trigger and covered expenses. Read the national Product recall guide.

What to Watch for in Florida

  • Recall-Plan Duties Depend on Facility Scope

    FDACS says Part 117 applies through Rule 5K-4002 unless exempt or meeting modified qualified-facility requirements, and a written recall plan is required when the hazard analysis identifies a hazard requiring a preventive control. Confirm facility status before comparing the trigger. 1

  • Do Not Move or Dispose of Embargoed Stock

    Under §500.172 no person may sell, move, use, or dispose of detained or embargoed food until the department or court permits. Ask whether storage during a hold and later return, rework, or disposal are separate expenses. 2

  • Condemnation Can Put Destruction Costs on the Claimant

    If a court finds detained food in violation, §500.172 directs destruction or sanitation at the claimant’s expense under supervision, with a correction route for some labeling or sanitation violations and a bond. Compare this with policy salvage and disposal wording. 2

Who Regulates Insurance in Florida

Florida Office of Insurance Regulation

The Florida Office of Insurance Regulation licenses and regulates insurance companies and reviews rates and forms. The Department of Financial Services separately licenses insurance agents and handles consumer insurance complaints; its resource page links to both state license searches. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later When Florida is the insured’s home state, Florida taxes the entire gross premium at 4.94%; the premium definition includes policy and similar insurance charges. The separate FSLSO service fee is 0.03% for policies effective July 1, 2026 or later. Surplus-lines policies do not receive Florida Insurance Guaranty Association protection. 6,7,8

Florida Surplus Lines Service Office

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Florida

  1. If our hazard analysis requires a Florida recall plan, will voluntary action under it meet the policy trigger?
  2. Does the quote address storage during a state embargo and later destruction or supervised correction?
  3. Which facilities qualify for Part 117 exemptions or modified requirements, and are they listed?

Product Recall in Florida: FAQ

When does Florida require a manufactured-food recall plan under Rule 5K-4002? 1

FDACS says a facility needs a written plan if its hazard analysis identifies a hazard requiring a preventive control. It also identifies exemptions and modified requirements for some qualified facilities. 1

Can a Florida business dispose of food under an embargo? 2

Not without department or court permission. If a court finds a violation, §500.172 generally directs destruction or sanitation at the claimant’s expense, with a correction route for certain violations. 2

Product Recall in Other States

Other Coverage in Florida

Sources

  1. Preventive Controls and Supply-Chain Program for Manufactured Food Establishments. Florida Department of Agriculture and Consumer Services; Rule 5K-4002 adoption; exemptions; written plan when hazard requiring preventive control identified. Accessed 2026-09-28.
  2. Florida Statutes §500.172: Embargoing, Detaining, Destroying of Food. Florida Senate; 2026 Florida Statutes, §500.172(1)–(3). Accessed 2026-09-28.
  3. Florida Office of Insurance Regulation. Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28.
  4. Resources. Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28.
  5. Get Insurance Help. Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28.
  6. Florida Statutes § 626.932: Surplus lines tax. Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28.
  7. FSLSO Bulletin 2026-02. Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28.
  8. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  9. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  10. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  11. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  12. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  13. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  14. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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