Trace the affected goods
Identify ingredients, components, batches and the route to market. Effective records help distinguish which products and customers may be involved.
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Product Recall & Contamination
A product withdrawal can affect production, distribution and customer relationships at the same time. Recall and contamination need their own review alongside products liability, with the triggering event and proposed costs clearly defined.
Who it is for
Businesses reviewing the practical and financial consequences of withdrawing products or responding to contamination concerns.
Explore the cover
These are areas to discuss, not an automatic inclusion list. Available sections and cover depend on the selected wording and schedule.
Withdrawal and contamination
A quality concern, contamination event and precautionary withdrawal may receive different treatment. The reason for taking action must be tested against the selected policy definition.
Response planning and insurance
Locating stock, communicating and restoring operations require a plan. The insurance discussion should identify selected response costs and exclusions without assuming every withdrawal is insured.
Information for quotations
Provide product details, turnover and territories, traceability and quality systems, recall procedures, supplier arrangements and earlier withdrawals or complaints.
Limitations and exclusions to discuss
A recall is not automatically insured by Products Liability. Discuss the defined event, selected costs, exclusions, notification procedure and limits without assuming every withdrawal qualifies.
Frequently asked questions
Is a precautionary withdrawal automatically covered?
No. Explain why the products are being withdrawn and review the particular trigger and conditions before drawing a coverage conclusion.
Should recall planning wait until insurance is arranged?
Operational planning and insurance review are separate tasks. Explain the existing response and traceability arrangements when discussing insurance.
Talk through your business.
Tell us what you do, what is changing and what you would like to understand. We can help organise the questions and the information needed for a meaningful insurance discussion.