Overview — Recall Crisis Recovery Insurance PLUS from Professional Liability Insurance Services, Inc.®
Professional Liability Insurance Services, Inc.® (program administrator) places Recall Crisis Recovery Insurance PLUS with capacity from Lloyd’s of London for manufacturers of consumer goods — including food and beverage producers. The program combines recall expense reimbursement, business interruption support, and access to 24/7 crisis management expertise to help insureds recover quickly after contamination events, extortion threats, or product-related incidents.
Ideal Accounts and Appetite
This program is designed for manufacturers and brand owners of finished consumer goods. Typical accounts include:
- Food and beverage manufacturers and packagers
- Personal care and cosmetics producers
- Household products and durable consumer goods manufacturers
- Contract manufacturers and co-packers—foreign facilities may be considered
Professional Liability Insurance Services, Inc.® will consider small, mid-sized and large manufacturers. Appetite favors businesses with formal quality control and traceability programs. Accounts with recent, unresolved recall events or chronic unresolved safety issues will be evaluated on a case-by-case basis.
Coverage Highlights and Advantages
The Recall Crisis Recovery Insurance PLUS program includes broad coverages tailored to the operational and reputational risks of product manufacturers:
- Malicious & Accidental Contamination — coverage for contamination events from deliberate or unintended sources.
- Product Extortion — response costs and payments where extortion threatens product safety or distribution.
- Reimbursement for key loss categories — including loss of revenues (business interruption), pre-recall and recall expenses, rehabilitation costs, and coverage for an insured’s customer’s loss of profits.
- Capacity up to $25M — significant limits available for large-scale events.
- Optional PLUS sublimits (available for an additional premium): governmental ban or seizure, adverse publicity, counterfeit products, long-term agreement endorsement, and inoculations/vaccinations/testing for consumers and employees.
- Crisis Management Services included — 24/7 access to Specialty Risk Management, Inc. for incident triage, regulatory guidance, recall execution support, media management, and 1-800 hotlines for consumer inquiries.
Underwriting Notes and Minimum Premiums
Underwriters will review product types, manufacturing controls, traceability, recall histories, and supply-chain exposures (including foreign facilities). Detailed loss prevention and crisis plans strengthen submissions. There is no minimum premium for placement, but pricing will reflect the product category, limit requested, and loss history.
Territories and Availability
This program is available through Professional Liability Insurance Services, Inc.® to agents writing business in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Coverage is placed with Lloyd’s of London capacity on a non-admitted/surplus lines basis.
Why Work With Professional Liability Insurance Services, Inc.® on This Program
As a specialized program administrator, Professional Liability Insurance Services, Inc.® provides agents with direct access to Lloyd’s capacity and embedded crisis response services that speed recovery and protect brand value. The program pairs broad, recall-specific coverages with hands-on incident support from seasoned recall consultants—helping insureds manage regulatory interactions, customer communications, and rapid business recovery.
Example client scenarios
- You have a mid-sized beverage manufacturer facing a contamination scare at one production line. Recall Crisis Recovery PLUS can cover recall execution costs, lost revenues while the line is closed, and provide 24/7 recall experts to coordinate testing and media communications.
- A personal-care brand receives a counterfeit product threat and extortion demand. The program’s product extortion and counterfeit sublimit options can fund response actions and brand-protection measures while specialists handle consumer inquiries and regulatory reporting.
Frequently Asked Questions
What types of manufacturers are a good fit for Recall Crisis Recovery Insurance PLUS?
Manufacturers and brand owners of consumer goods — including food & beverage, personal care, household products and contract manufacturers — are the primary targets. The program is best for companies with documented quality controls and traceability systems.
Is crisis response assistance included with the policy?
Yes. The program includes access to Specialty Risk Management, Inc.’s 24/7 recall experts for triage, regulatory guidance, recall execution, media management and customer hotline support.
Are foreign manufacturing facilities eligible?
Coverage for foreign facilities is considered; eligibility depends on the facility’s controls, third-party audits, and the overall supply-chain risk profile. Disclose foreign locations on submission.
How are limits and sublimits handled?
Up to $25 million in capacity is available. Optional PLUS sublimits (governmental seizure, adverse publicity, counterfeit products, inoculations/testing, etc.) can be added for additional premium depending on the account’s exposure.
Where is this program available and how is it placed?
The program is available in the states listed on the storefront and is placed with Lloyd’s of London capacity through Professional Liability Insurance Services, Inc.® on a non-admitted/surplus lines basis.
Need help placing an account? Connect with a market specialist.