skip to main content


Westchester’s Recall Plus® for Consumable Products insurance covers any product that is ingestible, topical, and for human consumption. Coverages are made-to-order, allowing policyholders to select “add-on” coverages based on their needs, what they would like, or their budget. Crisis consultants are available 24/7 through our emergency hotline.

Specialized Consultants, for Specialized Businesses:

Businesses have 24/7 access to a network of specialized product recall consultants on a post incident basis. Our group of experts are leading industry professionals who are familiar with the regulatory challenges and nuance of the product recall market.


Recall Plus® Consumable Products Application


Product Recall Consumable Products Policy Form-45371

Available Endorsements

The base policy wording includes recall costs, consultant costs, and defense costs, and all other coverages can be added on via endorsement.


Consequential Damages

Extra Expense

Business Interruption

Brand Rehabilitation Expenses

Replacement Cost

Extortion Costs

Adverse Publicity

Please send submissions to :


  • Limits as low as $50,000
  • Minimum premium of $1,000
  • $5,000 minimum SIR for a $1MM primary limit
  • $5 million in limits available on a primary or excess basis. Additional capacity may be considered on a case by case basis.
  • Voluntary, involuntary and mandatory stock recoveries, market withdrawals and/or recalls
  • Up to $5MM in limits available


On a primary basis, the focus is on companies with sales up to $1 billion. Companies with sales in excess of $1 billion will be considered, with either a high self-insured retention, or on an excess basis.

Product Recall is for consumable products (everything ingestible and topical, for human consumption) and preferred industries include food & beverage, cosmetics, tobacco, and pharmaceutical. These companies could be processors, manufacturers, co-packers, bottlers, importers, distributors, packagers, wholesalers, or suppliers of ingredients. However, products sold or distributed in bulk (like grain or sugar) will only be considered on an excess basis.  Under pharmaceutical products, small to midsize over the counter and generic drug manufacturers (second/third tier) will be considered. Prescription drugs will be considered only if they have been available for several years in the marketplace.


  • Nutraceuticals (including dietary supplements)
  • Animal feed / Pet Food
  • Marijuana / CBD Products
  • Energy drinks


Westchester is one of the largest and most diverse excess and surplus lines commercial property and casualty insurance underwriters in the United States. Focused on the wholesale distribution channel, Westchester provides innovative specialty products for property, specialty casualty, environmental, professional risk, inland marine, product recall, small business, binding and programs. The business is further distinguished by exceptional financial strength, underwriting excellence and superior claims handling expertise. The material on this page contains product summaries intended for use solely by properly licensed insurance professionals. The insurance policy actually issued contains the terms and conditions of the contract. All products may not be available in all states and surplus lines products can be offered only through licensed surplus lines producers. Insurance provided by Westchester Fire Insurance Company and its U.S. based Chubb underwriting company affiliates. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at Westchester is a division of Chubb, a world leader in insurance. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London, Paris and other locations, and employs approximately 40,000 people worldwide. Additional information can be found at: