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Product Recall Insurance in Indiana

Under current 410 IAC 7-26-224(a), unsafe, adulterated, misbranded, or not-honestly-presented food must follow an approved reconditioning procedure or be discarded; food from an unapproved source and specified employee/person-contaminated food must be discarded. The rule defines retail operations separately from food-processing plants and includes crossover and home-based-vendor exceptions, so list each facility and sales channel before comparing a recall quote. 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 Indiana

  • Confirm The Approved Reconditioning Path

    Section 224(a) allows approved reconditioning or discard for food that is unsafe, adulterated, misbranded, or not honestly presented. The rule instead requires discard for food from an unapproved source (§224(b)), ready-to-eat food that may have been contaminated by a restricted or excluded employee (§224(c)), and food contaminated through soiled hands, bodily discharges, or other means (§224(d)). Ask whether the response plan can support only the reconditioning route the rule permits and compare its costs separately from disposal. 1

  • Separate Retail And Wholesale Operations

    IDOH’s current retail guidance treats direct-to-consumer food businesses as retail; §7-26-51 defines food-processing plants as commercial operations that make, package, label, or store food for human consumption without serving consumers directly. A home-based vendor is excluded, while a retail establishment doing wholesale activity may fall into the plant definition; a co-located business may need both codes. Give the broker each location, product, and resale route instead of labeling the whole business retail or wholesale. 2,3

  • Use The Current Code For New Claims

    410 IAC 7-26 was filed March 19, 2025 and took effect April 16, 2025, replacing the prior retail code. Check recall handling against the current 7-26 rule, while separately confirming whether your particular home-based, meat/dairy, or wholesale operation falls under a different rule or exception. 2,1

Who Regulates Insurance in Indiana

Indiana Department of Insurance

The Indiana Department of Insurance licenses and regulates insurance companies and producers, reviews rates and policies, and investigates consumer complaints. Its Consumer Services Division accepts complaints and the Department provides company and license searches. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 2.5% of gross premium when Indiana is the home state Indiana’s surplus-lines premium tax is 2.5% when Indiana is the insured’s home state. Surplus-lines policies are outside Indiana guaranty-fund protection; before you buy, confirm the insurer’s identity and financial strength with your broker. 7,8,9,10

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 Indiana

  1. Does the policy schedule both my retail locations and any Indiana wholesale or manufacturing operation?
  2. Are approved reconditioning and discard expenses treated differently, and what approval must I obtain before reconditioning?
  3. Does the policy cover retailer credits, customer notice, product testing, and disposal records for a recall?
  4. Which consultant can help me distinguish a retail-code disposition from a wholesale-code issue?

Product Recall in Indiana: FAQ

Can an Indiana retailer recondition unsafe food instead of discarding it? 1

Sometimes. Section 224(a) allows approved reconditioning or discard for unsafe, adulterated, misbranded, or not-honestly-presented food. It separately requires discard for unapproved-source food and the specified contamination cases in §224(c)–(d). 1

Which Indiana businesses follow the retail food code? 2,3

It depends on the operation. IDOH treats direct-to-consumer sales as retail, but §7-26-51 excludes a home-based vendor and a retail establishment unless it also conducts wholesale activities; plants can include operations that manufacture, package, label, or store food without selling directly to consumers. 2,3

Product Recall in Other States

Other Coverage in Indiana

Sources

  1. 410 IAC 7-26 Retail Food Establishment Sanitation Requirements. Indiana Department of Health; 410 IAC 7-26 §§51(a)–(b), 224(a)–(f); filed March 19, 2025, effective April 16, 2025. Accessed 2026-09-28.
  2. Food Code Updates: 410 IAC 7-26. Indiana Department of Health; Updated IDOH Retail Food Establishment Sanitation Requirements; retail scope. Accessed 2026-09-28.
  3. Starting a Wholesale Food Business in Indiana. Indiana Department of Health; Rules and Regulations; 410 IAC 7-21 scope. Accessed 2026-09-28.
  4. Indiana Department of Insurance. Indiana Department of Insurance; Official regulator homepage and insurance oversight. Accessed 2026-09-28.
  5. Company/Entity Financial Compliance. Indiana Department of Insurance; Official Company Lookup queries live department data on licensed entities; producer resources linked separately. Accessed 2026-09-28.
  6. Submit a Complaint Online. Indiana Department of Insurance; Online complaint portal and published consumer phone. Accessed 2026-09-28.
  7. Indiana Code § 27-1-15.8-4: Tax on surplus lines insurance. Indiana General Assembly; 2.5% tax and insured home-state application. Accessed 2026-09-28.
  8. Surplus Lines Agent Licensing. Indiana Department of Insurance; Official IDOI surplus-lines agent and company guidance; identifies surplus-lines insurers as companies not licensed to transact admitted insurance in Indiana and statutory eligibility conditions. Accessed 2026-09-28.
  9. Guaranty Associations & Funds. National Association of Insurance Commissioners; Overview of state guaranty-association scope and nonadmitted insurers. Accessed 2026-09-28.
  10. Guaranty Funds. Indiana Department of Insurance; Department description of Indiana P&C and life/health guaranty funds and their limits; together with the Department's surplus-lines company page distinguishing these nonauthorized companies from licensed insurers. Accessed 2026-09-28.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  17. 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.
  18. 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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