What Product Recall Insurance Requirements Apply in Maryland?

Maryland’s food emergency center coordinates recall investigations, product sampling, and manufacturing recall reports with local, state, and federal partners. If you make or distribute food, keep lot and distribution records ready, then ask whether your quote responds to voluntary withdrawal and agency-directed action separately.

What Is Product Recall Insurance?

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 Should You Watch for With Product Recall Insurance in Maryland?

State And Federal Coordination
Maryland’s Center for Food Emergency Response and Defense coordinates with local health departments, state agencies, and federal partners during food emergencies and reports manufacturing recalls. Map who holds your lot and consignee records before an incident, then ask whether response costs include regulator coordination and customer notices. ²
Lot And Outlet Matching
Maryland directs readers to recall notices that identify the product by brand, package size, lot or date code, and affected states or outlets. Keep those identifiers linked to your own shipment records so you can narrow a withdrawal instead of assuming every unit is affected. ¹
Food Category Changes The Lead Agency
Maryland directs meat, poultry, and egg recalls to USDA and other food recalls to FDA. Tell the broker which products you make and where they ship; ask whether the trigger and response services apply across the agencies that may handle your product. ¹

Which Product Recall Providers Have Maryland License Records?

No provider in our research has both a state license record and a listing for 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.

Who Regulates Insurance in Maryland?

Maryland Insurance Administration

The Maryland Insurance Administration licenses producers and insurers, reviews rates and forms, and investigates complaints about insurance companies and producers. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-492-6116

Surplus-Lines Tax and Stamping Office in Maryland

Reported tax rate. 3% of gross premiums less returned premiums when Maryland is the insured's home state; excludes risks of Maryland and its political subdivisions ^6,⁷

When Maryland is the insured's home state, the tax is 3% of gross premiums less returned premiums, except insurance of risks of the State or a political subdivision. For policies effective on or after July 21, 2011, Maryland taxes the entire premium and the broker must charge the tax in addition to premium. Maryland's property and casualty guaranty corporation excludes surplus-lines policies.

Questions to Ask Before You Buy Product Recall in Maryland

Does this wording cover a voluntary food withdrawal as well as a regulator-requested recall involving Maryland distribution?
Are customer notices, returned-product freight, storage, testing, and disposal covered expenses under this quote?
Can the response vendor work from our lot codes and Maryland consignee list, and what records should we preserve?

Product Recall Insurance in Maryland: Frequently Asked Questions

Which agency handles a food recall in Maryland?

It depends on the product: Maryland points meat, poultry, and egg recalls to USDA and other food recalls to FDA; its state food emergency center coordinates investigations and recall reporting with other agencies. ^1,²

What records help identify recalled food sold in Maryland?

Keep brand, package size, lot or date codes, and shipment destinations together; Maryland says recall notices use those identifiers and list affected states or outlets. ¹

Sources for Product Recall Insurance in Maryland

1
Recalls. Maryland Department of Health, Office of Food Protection; Guidance Recalls, recall notice identifiers and FDA/USDA jurisdiction. Accessed 2026-09-28.
2
Center for Food Emergency Response and Defense. Maryland Department of Health; Center for Food Emergency Response and Defense; agency coordination and manufacturing recall reporting. Accessed 2026-09-28.
3
Maryland Insurance Administration. Maryland Insurance Administration; Homepage and consumer contact. Accessed 2026-09-28.
4
Insurance License Lookup. Maryland Insurance Administration; State-designated producer/company search. Accessed 2026-09-28.
5
File an Insurance Complaint. Maryland Insurance Administration; State complaint process and contact. Accessed 2026-09-28.
6
Md. Code, Insurance §3-324. Maryland General Assembly; Insurance §3-324(a)-(b), (d)-(f): government-risk exclusion; 3% of gross premiums less returns; entire-premium home-state basis from July 21, 2011, with tax charged in addition. Accessed 2026-09-28.
7
Maryland Insurance Article (2026). Maryland General Assembly; Insurance §9-303(5), (7): surplus-lines and unauthorized insurers excluded from property and casualty guaranty subtitle; 2026 Insurance Article PDF. 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.

What Product Recall Insurance Requirements Apply in Maryland?

What Is Product Recall Insurance?

What Should You Watch for With Product Recall Insurance in Maryland?

State And Federal Coordination

Lot And Outlet Matching

Food Category Changes The Lead Agency