What Product Recall Insurance Requirements Apply in South Dakota?

South Dakota law gives the Department of Health authority to regulate the control, movement, sorting, storage and salvage of distressed food and to use hold orders or condemnation when adulteration is present. The separate adulteration statute expressly covers harmful ingredients, unsanitary conditions and unfit food, so a recall plan should preserve evidence of both product condition and where each lot moved.

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 to Watch for With Product Recall in South Dakota

Ask About Hold and Salvage Costs
South Dakota law allows health officials to regulate movement, storage and salvage of distressed food and use a hold order or condemnation if adulteration is present. Ask whether storage while a disposition decision is pending counts as a covered recall expense. ¹
Document the Type of Defect
South Dakota’s adulteration grounds include harmful ingredients, unfit food and insanitary handling. Preserve the sampling, sanitation and production facts that explain why the lot was pulled; the reason for removal can affect the claim. ²
Stop Intrastate Shipments
South Dakota prohibits transporting adulterated or misbranded food from one in-state point to another and makes the conduct a Class 2 misdemeanor. Give shippers a stop-transport instruction as soon as a suspect lot is identified, even if the product is still within your distribution network. ³

Which Product Recall Providers Have South Dakota 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 South Dakota?

South Dakota Division of Insurance

The South Dakota Division of Insurance regulates insurance companies and producers and publishes tools to verify producer and company licenses. It accepts complaints about insurers, HMOs, producers, adjusters, and other licensed or registered insurance entities. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in South Dakota

Reported tax rate. 2.5% of premium; commercial property adds 0.175% fire tax, inland marine 0.075%; no stamping fee ^7,⁸

South Dakota adds 2.5% surplus-lines tax; its current chart lists an additional fire tax of 0.175% for commercial property and 0.075% for commercial inland marine, none for commercial liability, and no stamping fee. The Division directs surplus-lines brokers to report and remit through SLIP+ within 30 days; ask your broker to confirm which policy-specific disclosures apply.

Questions to Ask Before You Buy Product Recall in South Dakota

Can South Dakota order food held or salvaged?
Can I continue moving a suspect food lot within South Dakota?
Which South Dakota agency should my response team contact first, and what records should we provide?

Product Recall Insurance in South Dakota: Frequently Asked Questions

Can South Dakota order food held or salvaged?

Yes. SDCL 34-5-15 lets the Department of Health use hold orders or condemnation where adulteration is present and authorizes rules for control, storage and salvage. Ask the insurer to address those interim costs. ¹

Can I continue moving a suspect food lot within South Dakota?

No. SDCL 39-4-19 prohibits intrastate shipment of adulterated or misbranded food. Stop transfers and preserve the affected shipment list while the product is assessed. ³

Sources for Product Recall Insurance in South Dakota

1
SDCL 34-5-15: Distressed food rules and hold orders. South Dakota Legislative Research Council; Department of Health may regulate control, movement, storage and salvage and use hold orders or condemnation. Accessed 2026-09-29.
2
SDCL 39-4-2: Conditions constituting adulteration of food. South Dakota Legislative Research Council; Adulteration grounds: harmful ingredients, contamination, unsanitary handling, unfit product. Accessed 2026-09-29.
3
SDCL 39-4-19: Transportation of adulterated or misbranded foods. South Dakota Legislative Research Council; Intrastate transport or shipment of adulterated or misbranded food is prohibited. Accessed 2026-09-29.
4
south-dakota insurance regulator. State insurance regulator; Division home sets out public consumer, producer, complaint, licensure and company resources. Accessed 2026-09-28.
5
South Dakota Division of Insurance. State insurance regulator; Public state portal links to verify producer or company licensure; lookup route is part of the official division page. Accessed 2026-09-28.
6
Filing a Complaint and Your Rights. State insurance regulator; Complaint eligibility covers licensed/registered insurer, HMO, producer, adjuster, and other insurance entities. Accessed 2026-09-28.
7
South Dakota Tax Rates for Surplus Lines Clearinghouse Coverage Codes. South Dakota Division of Insurance; PDF revised May 2025, p. 1: 2.5% base tax, coverage-specific fire percentages, stamping fee/assessment none; line tables distinguish liability, property, and inland marine. Accessed 2026-09-28.
8
Surplus Lines Forms and Information. South Dakota Division of Insurance; Single-state tax reporting and remittance through SLIP+ within 30 days; current page reviewed. 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 South Dakota?

What Is Product Recall Insurance?

What to Watch for With Product Recall in South Dakota

Ask About Hold and Salvage Costs

Document the Type of Defect

Stop Intrastate Shipments