Does product liability pay for a food recall?
Do not assume it does. General product-liability wording and recall-expense protection are separate questions; ask for the exact forms and any recall sublimit.
Give the broker your product categories, co-packers, ingredients, lot tracing, distribution footprint, and recall plan.2,1
Ask what event triggers any proposed recall expense protection, what costs count, who can initiate a recall, and what exclusions or waiting periods apply. Get the answer from the quoted wording.4
Read the Food and Beverage Insurance Buying Guide
Sources and Further Reading for Food and Beverage
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