Product Recall Insurance

Offering both Contaminated Products Insurance and Product Recall Insurance — covering edible products and durable goods.

MRM Group provides specialized Product Recall Insurance designed to help your clients manage the financial, operational, and reputational impacts of product contamination or failure. Whether your insured manufactures food, beverages, electronics, appliances, pet products, or other consumer goods, this program addresses both first-party costs and third-party recall exposures with flexible, customizable solutions.

Ideal Accounts and Appetite

MRM Group is a strong market for a broad range of manufacturers, processors, and distributors, including:

• Food and beverage producers
• Packaged goods and consumer electronics manufacturers
• Pet food, supplement, and nutraceutical manufacturers
• Private-label producers and contract manufacturers

The program responds to both consumable and durable-goods exposures. Accounts with complex supply chains, multiple retail relationships, export components, or contract manufacturing arrangements are a particularly good fit.

Coverage Highlights and Advantages

MRM Group’s Product Recall program includes:

• Coverage that can apply with or without a formal regulatory recall
• First-party and third-party recall expense coverage
• Customer and brand rehabilitation support, including public relations
• Professional crisis-management services — pre-loss planning and post-loss investigation
• Policy customization to align limits, retentions, and sublimits with the insured’s risk and budget

These features protect insureds’ cash flow and brand value while helping preserve customer relationships and business continuity after an incident.

Underwriting Notes and Minimum Premiums

MRM Group offers expedited quote turnaround and flexible underwriting for a wide range of risks. The minimum premium starts at $5,000. Policies are written non-admitted and can be tailored by product line, distribution channel, and supply-chain complexity. Typical submissions should include product descriptions, annual revenue by product line, distribution channels, and any existing recall plans or crisis protocols.

Territories and Availability

This program is available in all U.S. states, including the District of Columbia. MRM can place business in large and small markets alike and supports clients operating across multiple states.

Why Work With MRM Group

As a Managing General Underwriter and Carrier, MRM Group brings deep experience in recall and contaminated-product exposures, fast response times, and established relationships with nationally recognized food- and product-safety organizations. Working with MRM gives you an underwriter who understands operational drivers of recall risk and who can position recall coverage as a value-added product for your clients.

Frequently Asked Questions

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