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Product Recall Insurance

AXA XL Insurance offers a suite of product recall insurance options. Coverage is available for a broad range of food and non-food companies.

Product details


Primary: up to USD/EUR 50 million


AXA helps businesses react and recover quickly if they need to recall a product because of a fault or contamination. We work with key consumer sectors including automotive, consumer products, pharmaceuticals, food and restaurants. As well as covering recall costs, we can also provide expert crisis management advice and consultancy if needed.

Our appetite:
  • Product recall expenses, such as disposal, replacement, advertising and transport
  • Pre-recall expenses
  • Third party recall expenses
  • Government recalls
  • Business interruption
  • Loss of gross profits/revenue
  • Accidental contamination
  • Product rehabilitation
  • Increased cost of working after a recall
  • Extortion demands related to malicious tampering
  • Terrorism cover
  • Consultancy costs

Client Profiles

  • Food and drink companies, from small turnover to Fortune 500 / FTSE 100
  • End product consumer goods companies
  • Non-food
  • Manufacturers
  • Retailers
  • Wholesalers
  • Importers and exporters for topical and ingestible products, including food, drink, cosmetics, domestic pet food and tobacco.

Typical Information Required

  • AXA's Insurance segment application – Company information and financials
  • Recall/crisis and quality assurance plans
  • “indication only” form (for rough indicative pricing)

Benefits & Services

  • 24/7 pre-incident consultant and crisis response
  • Worldwide
  • Primary, excess of loss and quota share participation
  • Financial strength to help protect balance sheets
  • Dedicated industry expertise with an average of 20+ years of industry-specific risk management experience
  • Risk engineering services and programs
  • Global claims network
  • Price competitiveness

Attachment Point

Primary and excess

Information & Research

The information contained herein is intended for informational purposes only. It’s is neither an offer to sell nor a solicitation to purchase any particular insurance product. Insurance coverage in any particular case will depend upon the type of policy in effect, the terms, conditions and exclusions in any such policy, and the facts of each unique situation. No representation is made that any specific insurance coverage would apply in the circumstances outlined herein. Please refer to the individual policy forms for specific coverage details. AXA XL is a division of AXA Group providing products and services through four business groups: AXA XL Insurance, AXA XL Reinsurance, AXA XL Art & Lifestyle and AXA XL Risk Consulting. In the US, the AXA XL insurance companies are: AXA Insurance Company, Catlin Insurance Company, Inc., Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company and T.H.E. Insurance Company. In Canada, coverages are underwritten by XL Specialty Insurance Company - Canadian Branch and AXA Insurance Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA Group. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

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