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Product Recall and Contaminated Products claims demand rapid decision-making, technical expertise and effective coordination between insurers, insureds, regulators and specialist consultants. Specialist Lines provides specialist investigation and management of complex recall events, delivering practical advice and commercially focused solutions throughout the lifecycle of a claim.
Our experience spans accidental and malicious contamination, product extortion, mislabelling, product defects, regulatory non-compliance and associated liability exposures. We advise on complex coverage issues including policy triggers, contamination definitions, aggregation, mitigation costs and the interaction between first-party recall and third-party liability exposures. Working alongside microbiologists, food technologists, engineers, scientists and other technical specialists, we establish the facts quickly and ensure investigations remain proportionate and aligned with insurers’ objectives.
We also recognise that the management of a recall can significantly influence the ultimate exposure faced by insurers. Delays in traceability, ineffective mitigation measures and prolonged disruption can substantially increase losses. By combining technical expertise, regulatory awareness and commercially focused claims management, Specialist Lines helps insurers control indemnity spend, protect reserves and achieve better outcomes across some of the most complex and high-profile recall events.