Contaminated Products

Contamination in products continues to create havoc for consumers and businesses around the globe. Whether the contamination is accidental or the result of product tampering, Liberty’s Contaminated Product Insurance policy coverage protects all aspects of the food, beverage, cosmetics and pharmaceutical industries. 

Our crisis management team supports brokers and their clients through the whole process, from customising cover to handling claims. In the event of a crisis, it is the client’s response in the critical first hours and days that will determine the impact of the crisis on the business. This is when the experience and expertise of Liberty’s Crisis Management consultants is crucial: they can provide advice and assistance to help deal with the crisis at hand and help protect our clients’ brands and business reputation. Our crisis response consultants have 20 years’ experience in the food industry, and Liberty’s claims team has been efficiently handling recall claims since 2009.

At a glance:

  • Tailored solutions
  • Broad wording includes:
    • Accidental contamination
    • Product tampering
    • Product extortion
    • Alleged contamination
    • Intentionally impaired ingredient
    • Government recall
    • Adverse publicity
  • Losses include:
    • Business interruption
    • Rehabilitation expenses
    • Product extortion costs
    • First party recall costs
    • Retailer and customer recall costs
    • replacement costs
    • Loss of profits
    • Consultants and advisor costs
  • Target markets include food, beverage, pharmaceutical and cosmetics companies.