Product Contamination Toolkit

In the recent years, there is an increasing consumer awareness of the 'danger' of products. Also, the requirements set by governments and customers have been tightened. In addition, globalization has led to a more complex and a difficult to control supply chain. Products are more often recalled from the distribution chain and the financial risks of a recall action are therefore considerably increased.

This insurance provides coverage in financial loss after a recall. In addition, the insured receives advice and assistance from specialist recall consultants, loss control engineers and "Incident response" assistance from specialized consultants.

Best Fit & Minimum Premium

Best Fit 

We focus on companies in the food and beverage industry

Minimum Premium

The minimum premium is € 10,000,-  and exemption is
€ 25,000,-

Product Information

Experience shows that the first 24 hours are crucial in managing a crisis, limiting damage and protecting a company's reputation. That is why AIG works closely with crisis management specialists who are 24 hours a day and 365 days a year available for you regarding strategic- and/or operational crisis management.

Insured events

  • Unforeseen contamination
  • Recall on the orders of government
  • Intentional contamination
  • Product extortion


  • Re-delivery (value of product)
  • Cost of the recall
  • Destruction costs
  • Own company damage (loss of profit)
  • Additional expenses (eg. extra staff)
  • Product rehabilitation costs

Complementary Services

24/7 Incident Crisis Response

PR / Communication assistance, food safety initiatives and security in response to a food safety incident

Pre-incident advice

Company review regarding product quality, supply chain, food safety and recall preparedness

Claims Examples

A batch of sterile-produced packets of soft drinks appears to be contaminated with fungal spores. This contamination is a few weeks after the production detected. The company is forced to recall the products, but also to stop its production activities in order to determine the cause of the contamination.

The source of the contamination appears to end up in the tubing of the sterile packaging line. The company has to shut down its production for six months to complete the process of research, disinfection and testing.

The director of a large retail chain receives an anonymous letter. The writer threatens to poison random products in the supermarket unless the company pays a large lump sum. The extortioner messes with the products and indicates those with warning stickers.

A consumer, who bought one of the contaminated products, informs the media. Whereas the company refuses to pay the lump sum. Due to the random nature of this contamination is it impossible to set up an effective recall. The company loses millions of euros in sales due to reduced customers. The extortioner has never been caught.

After consumers got ill when eating some products, it appears that the products  are bacterially contaminated. The responsible company recalls tons of products  from the market. The company can not trace the exact source of the contamination despite extensive research.

A government agency extends the scale of the recall action to products that were produced several months before the contamination came to light. In addition, the authority instructs the company to stop all its production activities at the site where the contaminated products came from.

A producer is informed by a foreign distributor that a batch of chocolate bars are supplied with a peanut filling instead of a fruit filling as indicated on the packaging. Peanuts can cause serious physical consequences for people that deal with a nut allergy. The internal administration of the distributor indicates that the bars have been wrapped in the wrong wrap for a number of days. In response organizes the producer a public product recall.

A well-known publication reports about the incorrectly about incident as it indicates that the accident was caused by chocolate candy. Above the cost of the recall and lost profits from the sale of chocolate bars, the company has to face with a significant drop in sales in all its chocolate candy products.  

More Information


Find here the Information Insurance Protection Documents


Download here all relevant Liability documents

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