--- title: "Product Recall Insurance in South Carolina" description: "South Carolina’s Food and Cosmetic Act bars removal or disposal of an embargoed article without permission; court-condemned stock is destroyed at the claimant’s expense unless labeling or processing can correct it under supervision, while unsafe perishables may be made unsalable immediately." canonical: "https://spot.insure/coverage/product-recall/south-carolina" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/product-recall/south-carolina) # Product Recall Insurance in South Carolina South Carolina’s Food and Cosmetic Act bars removal or disposal of an embargoed article without permission; court-condemned stock is destroyed at the claimant’s expense unless labeling or processing can correct it under supervision, while unsafe perishables may be made unsalable immediately. For a South Carolina operation, compare policy treatment of destruction, supervised relabeling, storage and the regulator’s emergency action separately.[^1][^2] **Coverage:** [Product recall](/coverage/product-recall) · [South Carolina](/coverage/states/south-carolina) ## 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](/coverage/product-recall). ## What to Watch for in South Carolina ### Account for Claimant-Paid Disposition After a South Carolina court condemns an article, §39-25-60 assigns destruction and related court, storage and proper expenses to the claimant. Ask whether the policy covers these costs separately from replacement inventory or product value.[^1] ### Check Whether Rework Is Permitted South Carolina allows a court to return correctable stock for supervised relabeling or processing only after costs are paid and a sufficient bond is executed. Get insurer and regulator approval steps before committing to a rework path.[^1] ### Coordinate the State Rapid Response South Carolina’s Department of Agriculture says its Rapid Response Team works with FDA partners on food-contamination events. Identify who can provide lot and distribution details to that response team, and ask the broker how agency coordination expenses fit the policy.[^2] ## Who Regulates Insurance in South Carolina **South Carolina Department of Insurance.** The South Carolina Department of Insurance licenses and regulates insurance companies and producers and accepts complaints involving entities it licenses and policies incepted in South Carolina. Its consumer page links to the online complaint form and explains limits on the Department’s authority.[^3][^4][^5] - [Regulator website](https://doi.sc.gov/) - [License lookup](https://online.doi.sc.gov/Eng/Public/Common/OnlineServices.aspx) - [File a complaint](https://doi.sc.gov/consumers) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 6% blended broker premium tax: 4% state plus 2% municipal SCDOI’s January 2026 instructions set a 6% blended surplus-lines broker premium tax: 4% state and 2% municipal; the Department collects both and the Municipal Association of South Carolina allocates the municipal share. The filing system also asks brokers to identify one to three insurers that declined the indicated coverage; check the policy notice for any guaranty-association disclosure.[^6][^7] ## 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](https://online.doi.sc.gov/Eng/Public/Common/OnlineServices.aspx) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in South Carolina 1. Who pays to destroy food condemned in South Carolina? 2. How does South Carolina coordinate food-contamination events? 3. Which South Carolina agency should my response team contact first, and what records should we provide? ## Product Recall in South Carolina: FAQ ### Who pays to destroy food condemned in South Carolina? Section 39-25-60 places destruction and related costs on the claimant after condemnation. Ask the broker how those expenses fit within the policy’s recall-cost limit.[^1] ### How does South Carolina coordinate food-contamination events? The Department of Agriculture describes a Rapid Response Team that works with FDA partners during food-contamination events. Keep the team’s contact path and the lot distribution file ready for a coordinated investigation.[^2] ## Product Recall in Other States - [Alabama](/coverage/product-recall/alabama) - [Alaska](/coverage/product-recall/alaska) - [Arizona](/coverage/product-recall/arizona) - [Arkansas](/coverage/product-recall/arkansas) - [California](/coverage/product-recall/california) - [Colorado](/coverage/product-recall/colorado) - [Connecticut](/coverage/product-recall/connecticut) - [Delaware](/coverage/product-recall/delaware) - [District of Columbia](/coverage/product-recall/district-of-columbia) - [Florida](/coverage/product-recall/florida) - [Georgia](/coverage/product-recall/georgia) - [Hawaii](/coverage/product-recall/hawaii) - [Idaho](/coverage/product-recall/idaho) - [Illinois](/coverage/product-recall/illinois) - [Indiana](/coverage/product-recall/indiana) - [Iowa](/coverage/product-recall/iowa) - [Kansas](/coverage/product-recall/kansas) - [Kentucky](/coverage/product-recall/kentucky) - [Louisiana](/coverage/product-recall/louisiana) - [Maine](/coverage/product-recall/maine) - [Maryland](/coverage/product-recall/maryland) - [Massachusetts](/coverage/product-recall/massachusetts) - [Michigan](/coverage/product-recall/michigan) - [Minnesota](/coverage/product-recall/minnesota) - [Mississippi](/coverage/product-recall/mississippi) - [Missouri](/coverage/product-recall/missouri) - [Montana](/coverage/product-recall/montana) - [Nebraska](/coverage/product-recall/nebraska) - [Nevada](/coverage/product-recall/nevada) - [New Hampshire](/coverage/product-recall/new-hampshire) - [New Jersey](/coverage/product-recall/new-jersey) - [New Mexico](/coverage/product-recall/new-mexico) - [New York](/coverage/product-recall/new-york) - [North Carolina](/coverage/product-recall/north-carolina) - [North Dakota](/coverage/product-recall/north-dakota) - [Ohio](/coverage/product-recall/ohio) - [Oklahoma](/coverage/product-recall/oklahoma) - [Oregon](/coverage/product-recall/oregon) - [Pennsylvania](/coverage/product-recall/pennsylvania) - [Rhode Island](/coverage/product-recall/rhode-island) - [South Dakota](/coverage/product-recall/south-dakota) - [Tennessee](/coverage/product-recall/tennessee) - [Texas](/coverage/product-recall/texas) - [Utah](/coverage/product-recall/utah) - [Vermont](/coverage/product-recall/vermont) - [Virginia](/coverage/product-recall/virginia) - [Washington](/coverage/product-recall/washington) - [West Virginia](/coverage/product-recall/west-virginia) - [Wisconsin](/coverage/product-recall/wisconsin) - [Wyoming](/coverage/product-recall/wyoming) [Other Coverage in South Carolina](/coverage/states/south-carolina) ## Sources [^1]: [South Carolina Code, Title 39, Chapter 25: Food and Cosmetic Act](https://www.scstatehouse.gov/code/t39c025.php) — South Carolina Legislature; §39-25-30 prohibited acts; §39-25-60 embargo, condemnation, claimant costs, relabeling and unsafe perishables. Accessed 2026-09-29. [^2]: [Food Safety](https://agriculture.sc.gov/permits-and-inspections/food-safety/) — South Carolina Department of Agriculture; Rapid Response Team coordinates with FDA partners on food-contamination events; agency identifies retail, wholesale, milk and produce safety programs. Accessed 2026-09-29. [^3]: [south-carolina insurance regulator](https://doi.sc.gov/) — State insurance regulator; Official home and consumer services pages describe regulator scope.. Accessed 2026-09-28. [^4]: [SCDOI Online Services](https://online.doi.sc.gov/Eng/Public/Common/OnlineServices.aspx) — State insurance regulator; General Public offers Licensee Lookup for licensed individuals and insurers.. Accessed 2026-09-28. [^5]: [SCDOI Consumer Services](https://doi.sc.gov/consumers) — State insurance regulator; Complaint process and stated authority covers licensed entities and policies incepted in SC; online complaint form is linked.. Accessed 2026-09-28. [^6]: [2026 Surplus Lines Filing Instructions](https://www.doi.sc.gov/DocumentCenter/View/15210/2026-Surplus-Lines-Filing-Instructions) — South Carolina Department of Insurance; Pages 1–2, January 26 2026 memo: 6% blended rate, 4% state plus 2% municipal; DOI collects both and MASC allocates municipal portion.. Accessed 2026-09-28. [^7]: [2026 Surplus Lines Filing Instructions](https://www.doi.sc.gov/DocumentCenter/View/15210/2026-Surplus-Lines-Filing-Instructions) — South Carolina Department of Insurance; Pages 1–2, Jan. 26, 2026 instructions: broker filing due-diligence field requires one to three named insurers declining the indicated coverage.. Accessed 2026-09-28. [^8]: [Licenses](https://www.at-bay.com/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](https://www.coalitioninc.com/legal/licenses) — 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](https://www.corgi.insure/broker-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](https://www.hiscox.com/about-hiscox-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](https://www.nextinsurance.com/insurance-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](https://www.techinsurance.com/legal/licenses) — 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](https://www.vouch.us/legal/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 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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