Product liability covers consequential damage to third parties. A recall insurance covers your own costs to recall products and manage the crisis.
Antilope De Bie Printing
Solutions
Recall & contamination insurance
A product that turns out to be contaminated, polluted, or unsafe can have major consequences for your business. You must recall products, inform customers, halt production, and minimize reputational damage.
The recall and contamination insurance protects your company against the financial impactof a product recall or contamination.
What is a recall & contamination insurance?
The recall and contamination insurance covers the costs and damages that arise when a product has to be withdrawn from the market, including due to:
- Contamination or pollution
- Production errors
- Incorrect labeling
- Unsafe composition
- Malicious tampering (sabotage)
It’s not just about liability towards third parties, but also about your own costs to manage the crisis.
This insurance is especially relevant in sectors where food safety, product quality, and consumer protection are crucial.
What are the benefits?
This insurance may provide coverage for the following costs and consequences, among others:
Costs for recalling products from the market.
Destruction, replacement, and transport of contaminated goods.
Business interruption due to production stoppage after contamination.
Crisis management and communication costs in case of reputational damage.
Who is this insurance for?
This insurance is particularly important for businesses in:
- Food and beverage production
- Pharmaceutical sector
- Cosmetics and personal care products
- Producers of consumer products
- Private label manufacturers
- Distributors and importers
- Automotive
Companies in the supply chain can also be held liable for recalls in case of contamination or product defects.
Van Dessel analyzes your insurance risks within the production chain and advises you on a coverage tailored to your company.
What is covered and what is not?
What is covered?
- Product recall costs
- Destruction and replacement of products
- Transport and logistics costs
- Crisis management and communication
- Business interruption losses resulting from a covered contamination incident
What is not covered?
- Routine quality control costs or voluntary product recalls without an insured risk
- Intentional acts by the insured
- Pre-existing defects known before the start of the policy
- Fines and administrative penalties
How much does this insurance cost?
The premium is determined based on:
- Your sector and type of products
- Your turnover and production volume
- Your quality and control systems
- Your traceability and crisis procedures
- Your claims history
- The desired insured limits
For example, a food producer with international distribution will have a different risk profile than a local producer.
Van Dessel works together with specialized insurers and provides an insurance solution tailored to your production process.
Stories from our customers
Groep Steylaerts
Patrick Steylaerts: “Wij hebben het volste vertrouwen in onze verzekeringspartner Van Dessel.”
Germo bvba
Bram Gers: "Vooral het maatwerk is de reden waarom ik met Van Dessel in zee ben gegaan."
Van Wellen Group
Tom Bolsens: "We waren verrast dat er uit zo'n kleine hoek dreiging kon komen."
Our promise to you
Personal & involved
a tailor-made partner
We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.
Expertise & experience
already 80 years in insurance
Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.
Customization & innovation
beyond standard insurance
No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.
Would you like to receive a quote?
We analyze your activities, contractual obligations, and risks. You will receive a clear, tailored proposal for your business.
Request a quote without obligation or contact us for personal advice.
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