What Product Recall Insurance Requirements Apply in Michigan?

Michigan’s agriculture department defines a food recall as a firm’s voluntary removal of distributed product and uses routine or targeted audits to check that recalled goods leave shelves. Its food program also handles recalls and emergencies within the federal-state-local system, so keep Michigan distribution records ready and compare policy treatment of voluntary withdrawals and regulator response.

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 Michigan?

Voluntary Recall Is The Starting Point
MDARD defines a food recall as a firm’s voluntary removal of distributed food and says inspectors conduct routine and targeted audit checks for affected Michigan products. Ask whether your trigger responds to your own withdrawal before the state begins checking retail sites. ¹
Response Crosses Agency Lines
MDARD says it responds to recalls and food emergencies and serves as a key link in the federal, state, and local food-safety system. Tell the broker where products ship and which agency handles each product category; ask whether response support includes coordination and distributor notices. ²
Recall Alerts Can Reach Your Team
MDARD offers an email service for food-recall alerts affecting Michigan. Set an owner to monitor alerts and connect the alert to your lot and customer records; ask what prompt-notice conditions your policy imposes after you learn of a potential problem. ²

Which Product Recall Providers Have Michigan 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 Michigan?

Michigan Department of Insurance and Financial Services

The Michigan Department of Insurance and Financial Services licenses agents, agencies and companies, supervises insurance business, and helps resolve complaints. 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: 877-999-6442

Surplus-Lines Tax and Stamping Office in Michigan

Reported tax rate. 2.5% combined surplus-lines tax and regulatory fee on premium when Michigan is the insured's home state ^6,^7,⁸

Michigan's Property and Casualty Guaranty Association is funded by insurers authorized to transact in the state; an insurer procured solely under Chapter 19 is expressly not considered authorized for that chapter. The surplus-lines policy must carry a notice that the insurer is not Michigan-licensed and insolvency claim payment may not be guaranteed.

Questions to Ask Before You Buy Product Recall in Michigan

Does the recall trigger include a voluntary withdrawal made before MDARD or another agency takes enforcement action?
Are claimant-paid destruction, relabeling, and supervised reprocessing costs covered, excluded, or subject to separate limits?
Will the response service help verify removal at Michigan retail and distribution sites using our shipment records?

Product Recall Insurance in Michigan: Frequently Asked Questions

How does Michigan define a food recall?

MDARD calls it a firm’s voluntary removal of distributed food when there is reason to believe the product is adulterated or misbranded; state inspectors conduct audit checks to help keep affected food off shelves. ¹

Which Michigan agency coordinates food recall activity?

MDARD says its food inspectors receive notice of recalls affecting Michigan and audit affected sites; the department describes itself as a link among federal, state, and local food-safety partners. ^1,²

Sources for Product Recall Insurance in Michigan

1
Food Recalls. Michigan Department of Agriculture & Rural Development; About Food Recalls; definition and routine/targeted recall audit checks. Accessed 2026-09-28.
2
Food. Michigan Department of Agriculture & Rural Development; Food program responsibilities: food safety complaints, recalls and emergencies; federal-state-local system; interstate milk and dairy movement. Accessed 2026-09-28.
3
Department of Insurance and Financial Services. Department of Insurance and Financial Services; Official regulator and insurance oversight. Accessed 2026-09-28.
4
Insurance License Lookup. Department of Insurance and Financial Services; State-designated producer/company search. Accessed 2026-09-28.
5
File an Insurance Complaint. Department of Insurance and Financial Services; State complaint process and contact. Accessed 2026-09-28.
6
Surplus Lines Licensee: Filing the Surplus Lines Taxes. Michigan Department of Insurance and Financial Services; DIFS current filing page: Michigan-home-state placements taxed at 2.5% combined tax and regulatory fee; separate fees charged to insured are not included in premium tax base. Accessed 2026-09-28.
7
Michigan Insurance Code, Chapter 500. Michigan Legislature; MCL 500.7911(1)-(2), 500.7921(b): association membership tied to insurer authorized to transact; insurer procured solely under Chapter 19 is expressly not authorized for guaranty chapter. Accessed 2026-09-28.
8
Michigan Insurance Code, Chapter 500. Michigan Legislature; MCL 500.1922 requires policy notice that insurer is not Michigan-licensed and insolvency claim payment may not be guaranteed. Accessed 2026-09-28.
9
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10
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.
11
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.
12
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.
13
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.
14
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.
15
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 Michigan?

What Is Product Recall Insurance?

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

Voluntary Recall Is The Starting Point

Response Crosses Agency Lines

Recall Alerts Can Reach Your Team