Consumer Products

As with food and beverage products, recalls of non-food consumer products are generally only announced when the product in question has the potential to cause property damage or bodily injury.  Deaths, injuries and property damage from consumer product incidents cost the nation more than $700 billion annually. Products designed for children, such as toys or clothing, are frequently recalled due to choking hazards. Defective sporting or outdoors goods are also frequently recalled due to the rigors of use they may undergo. Finally, an additional area of product recall risk is related to the potential fire damage that could be caused by electrical malfunction.

Target Risks

  • Manufacturers, Importers and Distributors of
    • Toys
    • Clothing
    • Appliances
    • Sporting goods
    • Furniture
    • Electronics
    • And other finished goods / consumer products



Domestic and International non-admitted carriers


Available Limits

$500,000 – $50,000,000+ any one covered incident and in the aggregate



  • Minimum Deductible = $10,000
  • The minimum deductible for the risk will increase based on estimated revenues.


Minimum Premium

  • Minimum premiums start at = $2,500
  • Worldwide Territory


Covered Incidents

  • Manufacturing Defect
  • Design Error
  • Product Extortion


Covered Losses

  • First Party Recall Expense
  • Third Party Recall Expense
  • Repair, Replace, or Refund of Products
  • Loss of Profits
  • Rehabilitation
  • Extortion Payments
  • Crisis Management Fees and Expenses
  • Third Party Financial Loss