Carefully read your policy. Product recall expenses are typically excluded completely from the majority of insurance carriers that provide specialty programs for the Craft Brewing Industry or offer a minimal amount of this Product Recall Coverage or Limited Product Withdrawal Coverage.
And there’s a catch – coverage is only triggered if the contaminated product resulted in “Bodily injury to a person(s) or property damage to a physical structure.” As a general rule, the coverage offered is extremely restrictive and goes only a fraction of the distance in addressing the full spectrum of contamination-related exposures craft brewers face.
For more information on what types of coverage Crum-Halsted can offer to the Brewery Industry and how they can be custom-tailored to fit your individual business needs, please contact us with questions or to set an appointment for review.