Provided by Specialty Group

Product Contamination

The consequences of contamination can be dire but with our support, the fallout can be managed. 

Overview

For companies of all sizes, product contamination is a loss exposure that cannot be ignored. Contamination, whether the result of criminal acts or simple human error, is occurring with alarming frequency in the U.S. and around the world. Companies that fall victim to these types of incidents often incur staggering costs in damage control and in the restoration of profits and brand reputation.

The policy offers business interruption coverage back to pre-incident sales and also covers brand name rehabilitation costs. Numerous other additional expenses are covered, including recall costs, incident expenses and crisis management advice. Coverage is available to restaurants of any size as well as single or multi-location enterprises, including individual groups of franchisees.

Best for

Food and beverage / nutraceutical industry:

  • Manufacturers / processors
  • Retailers
  • Wholesalers
  • Distributors
  • Importers
  • Growers
  • Processors
  • Bottlers
  • Ingredient suppliers
  • Any company handling food & beverage products within the supply chain

Highlights

  • Malicious product tampering
  • Accidental product contamination
  • Adverse publicity
  • Government recall
  • Capacity of up to US $10 million
  • Excess capacity up to US $20 million (minimum attachment point 10 M in underlying limits)
  • The ability to customize the policy to cover only specific products or exposures
  • Worldwide policy territory
  • 24/7 access to Crisis Consultants
  • Fully dedicated Crisis Management Claims Teams

Summary of coverage

Our policy is designed to provide critical coverages for contamination incidents and related exposures not contemplated under the scope of traditional general liability or product extortion insurance. Because we specialize in small to medium size food and beverage risks with sales of up to US $650 million, we can provide a customized policy that addresses the needs of the mid-market segment.

The policy offers business interruption coverage back to pre-incident sales and also covers brand name rehabilitation costs. Numerous other additional expenses are covered, including recall costs, incident expenses and crisis management advice.

Standard coverages:

  • First party and customer recall-related expenses, including but not limited to, laboratory analysis, transportation, radio, internet and television announcements, and third-party recall expenses
  • Loss of gross profit for a period of up to 18 months
  • Rehabilitation expenses
  • Value of contaminated products
  • Crisis response and consultant expenses, including public relations and recall consultants
  • Pre-Recall and Pre-Contamination Expenses
  • Unsubstantiated Retailer Costs
  • Increased cost of working
  • Extortion costs
  • Government recall and adverse publicity at full policy limits
  • No self insured retention applying to crisis consultant expenses or extortion costs

Optional coverages / services:

  • Government determination (enhanced)
  • Comprehensive product refusal
  • Customer loss of gross profit for a period of up to 18 months
  • Third party expense indemnity
  • Customer rehabilitation
  • Forensic Accounting and Claims Services
  • Multi-year policy periods available for select risks at a discounted rate
  • No self insured retention applying to crisis consultant expenses or extortion costs
  • Up to 10% of the Gross Written Premium can be used for preventative services provided by Sedgwick brand protection
Get in touch
Contact photo
Max Cotton

USA - Specialty Underwriting Manager - Product Head

Jared Leslie

USA - Underwriting Manager

Contact photo
Ronald Nfor, Esq.

USA - Specialty Claims Manager - Crisis Management

Scott La Croix
Scott La Croix

Canada - Vice President, Head of TMHCC Specialty Canada Operations

Documents & forms

Your team

Branch office

37 Radio Circle Drive
Mount Kisco, NY 10549

(914) 241-8900
Directory
Contact photo
Max Cotton

USA - Specialty Underwriting Manager - Product Head

Mount Kisco, United States

Jared Leslie

USA - Underwriting Manager

Mount Kisco, United States

Contact photo
Ronald Nfor, Esq.

USA - Specialty Claims Manager - Crisis Management

Mount Kisco, United States

Your team

Branch office

78 Musgrove Street
Winnipeg, MB R3R 2M5
Canada

(204) 806-0732
Directory
Scott La Croix
Scott La Croix

Canada - Vice President, Head of TMHCC Specialty Canada Operations

Winnipeg, Manitoba, Canada

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Cover your business expenses and losses as a result of an Adverse Publicity, Accidental Contamination, Supplier Contamination, or Malicious Tampering (including Product Extortion) event.

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why choose tmhcc

Why choose Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance.

More about us Financial strength

Not all products, coverages, or features may be available in all states.; Restrictions, exclusions, limitations, and conditions apply and you should see your agent for more information. Certain products and services are provided through non-admitted insurance carriers and are not subject to certain State Guaranty Funds. California Non-Resident Producer License Number: 0A96565