Contaminated Products

Increasingly stringent enforcement of regulations and the public’s demand for safe products require greater care than ever in today’s global marketplace. Whether it’s a contaminated product you manufacture or ingredient you source, a mislabeled product you produce, or a false report asserting a product you sell to be unsafe, there are various incidents that can have a significant impact on your company’s image and bottom line.

Our Contaminated Products Insurance (CPI) policy is designed to help manufacturers, wholesalers, retailers, importers and distributors of food & beverages and other topical and ingestible products manage threats to their products, brands, reputation and financial sustainability. Our CPI policy protects you from a wide range of potential events which could have a devastating impact on your business.

Target Risks

  • Snack Foods
  • Soups, Sauces, Dressings, and Canned Goods
  • Confectionary Products and Baked Goods
  • Dairy Products
  • Produce including Growers, Coops, Marketers, and Distributors
  • Ingredients and Flavoring
  • Meat and Seafood Products
  • OTC Pharmaceuticals, Nutraceuticals, and Supplements
  • Cosmetics, Personal Care, and Hygiene Products
  • Tobacco and Electronic Cigarettes
  • Beverages including Alcoholic and Carbonated
  • Pet Food

Coverages Available

  • Insured Event Triggers: Accidental Contamination, Government Recall, Malicious Product Tampering, Product Extortion, and Adverse Publicity
  • Covered Losses: Crisis Consultant Costs, Pre-Incident Consultant Costs, Business Interruption Expense, Destruction Costs, Insured Product Extortion Costs, Rehabilitation Expenses, and Replacement Costs

Additional Coverages Available

  • Customer Loss of Gross Profit or Third-Party Recall Liability
  • Intentionally Impaired Ingredients
  • Product Refusal
  • Forensic Accounting and Claims Services
  • Non-Compliant Kosher Products
  • Consultant Service Product Boycott & Border Rejection
  • Additional endorsements available upon request

Limits

  • up tp $25,000,000
  • Primary and Excess capacity available

Self - Insured Retension (SIR)

  • Minimum SIR of $25,000 varies depending on the risk profile

Highlights

  • Worldwide coverage available for U.S. based risks
  • 24/7 Crisis Response Hotline
  • 24/7 access to Starr-retained consultant WorldAware (f/k/a Red24)
  • Pre-incident Consulting Services available by WolrdAware (f/k/a Red24)

Risk Management

  • Dedicated Starr Account Service Manager

Claims Services

  • Internal Claims Department

Coverages described herein are underwritten by Starr Indemnity & Liability Company or Starr Surplus Lines Insurance Company. Starr Insurance Companies is a marketing name for the operating insurance and travel assistance companies and subsidiaries of Starr International Company, Inc. and for the investment business of C. V. Starr & Co., Inc. and its subsidiaries. The coverages described in this document are only a brief description of available insurance coverage. It is intended for general information purposes only and does not provide any guidance regarding specific coverage available or any claim made thereunder. Any policy described herein will contain limitations, exclusions and termination provisions. Not all coverages are available in all jurisdictions. For costs and complete details of specific policy coverage, please contact an insurance professional by sending an email to the address provided above.