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     Contaminated Products and Recall




Product recalls are often costly and complex events that result in significant first party losses, which is why any company that manufactures, imports or distributes products needs robust insurance coverage as part of their risk management solution. 

With AIG’s Contaminated Products and Recall insurance, you can rely on us to cover the real costs resulting from a contamination or defect. Be prepared for the unexpected with our network of trusted crisis management and public relations consultants who will be on hand to guide you through the critical stages of a product recall. 

Comprehensive and flexible cover

The direct costs of recalling a contaminated or defective product are only a fraction of the total financial impact a business can suffer. AIG’s product recall cover goes well beyond meeting the conventional recall costs and can be tailored to meet the unique needs of your business. 

Underwriting expertise

With more than 35 years’ experience offering product recall insurance, AIG’s underwriting expertise, loss prevention services and dedicated claims teams continue to set the standard for contaminated and defective product insurance globally. Supported by market-leading independent adjusters, forensic accountants and coverage counsel, we provide you with innovative tools and solutions to help you recover quickly.

Cover for malicious product tampering

Businesses may be at risk of malicious product tampering due to disgruntled employees, political and social activists, saboteurs or terrorists. Whether the result of an accidental or malicious act, AIG provides you with the financial support you need to get your business back on track.

Value-added services

AIG offers support through our third party provider, NSF to advise and assist in the event of a recall. With a network of product safety experts, auditors and crisis management specialists, NSF offers you an extensive range of pre- and post-incident risk management and response services, including access to a 24/7 crisis hotline.


Who is it for?

From manufacturers and private label owners to importers, distributors and retail stores, AIG’s Contaminated Products and Recall insurance provides cover for a wide range of businesses, regardless of size or annual revenue. Our target industry segments include, but are not limited to:


  • Fresh milk
  • Fruit, vegetables and canned specialities
  • Bread and bakery products
  • Soft drinks and alcohol
  • Perfumes and cosmetics
  • Meats
  • Poultry
  • Cheese, ice cream and frozen desserts
  • Cereal, grain, rice and flour
  • Dog and cat food
  • Chocolate and nuts
  • Soap and cleaning products
  • Footwear, luggage and bags
  • Clothing and fabrics
  • Wood household furniture


  • Fruit, vegetables and other crops
  • Livestock

Wholesale trade

  • Food and drink

Retail trade

  • Food and bakery stores
  • Restaurants and cafes
  • Household furniture stores
  • Clothing stores

What is covered?

Contaminated product insurance for ingestible or topical products

Insured events

  • Accidental contamination
  • Malicious product tampering
  • Product extortion

Optional extensions

  • Adverse publicity
  • Intentionally impaired ingredients
  • Government recall

Defective product insurance for finished consumer products

Insured events

  • Defect
  • Malicious product tampering
  • Product extortion

Optional extension

  • Government recall

AIG’s Contaminated Products and Recall insurance provides cover for a wide range of losses:

  • Business interruption
  • Product recall costs
  • Rehabilitation expenses
  • Consultant costs
  • Product extortion costs
  • Replacement costs

The AIG Advantage

Local expertise

With one of the largest specialised product recall underwriting teams in the world, AIG’s network of highly skilled locally-based professionals work with you and your broker to develop bespoke solutions with tailored coverage.

Dedicated claims team

AIG offers you dedicated claims support with deep experience in complex product contamination and defect claims, harnessing our local service capabilities across an extensive international network.

Crisis management support

As our client, you will be able to make informed decisions when managing a contamination or defect event with 24/7 exclusive access to a worldwide network of crisis management consultants, including product safety, security and public relations consultants.