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Westchester Recall Plus® is comprised of three insurance policies that together protect small businesses:

1. Component Parts

Covers component parts used in the general manufacturing, electronic, medical device, automotive and aviation industries.

Basic: Base wording and 12 month retro date

Standard: Base wording, 12 month retro date and replacement costs

Enhanced: Base wording, 12 month retro date, replacement costs and consequential damages

2. Consumer Goods

Covers finished products in the areas of appliances, electronics/electrical, clothes, furniture, household, children’s products, outdoor goods and products, sports and exercise equipment and products.

Basic: Base wording, 12 month retro date and replacement costs

Standard: Base wording, 12 month retro date, replacement costs, business interruption, brand rehabilitation expense and extra expense

Enhanced: Base wording, 12 month retro date, replacement costs, business interruption, brand rehabilitation expense, extra expense and consequential damages

3. Consumable Products

Covers food & beverage.

Basic: Base wording, adverse publicity and replacement costs

Standard: Base wording, adverse publicity, replacement costs, loss of gross profit, rehabilitation expense, extra expense and extortion costs

Enhanced: Base wording, adverse publicity, replacement costs, business interruption, basic rehabilitation expense, extra expense, extortion costs and consequential damages


  • Limits as low as $25,000
  • SIR as low as $2,500
  • $5,000 minimum SIR for a $1MM primary limit
  • No minimum premium


  • 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.


  • Small Business Application Form and supporting documents
    • Copy of recall and traceability program
    • Copy of quality control manual (including Standard Operating Procedures/Sanitation Standard Operating Procedures and Good Manufacturing Practices)
  • 5 year loss history
  • Sales of up to $25M


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: