Insurance Program Results

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Crittenden Insight

Crittenden Insurance Program Directory™

Product Recall Programs

Carrier (Administrator)

Appetite/Distinguishing Characteristics

Distribution/Access

Crittenden’s Customer
Service Rating*

Great American E&S Ins. Co. (AmWINS)

Prefers accounts with annual revenues of less than $100 million and makers of non-consumable (non-food) consumer goods under the authority of the Consumer Product Safety Commission. Limits from $250,000 to $1 million with a minimum deductible of $2,500. Multiple product exclusions, including but not limited to products with a replacement value greater than $100.

Retail Brokers
and Agents

5 Stars

Allied World Assurance Co.

Favors food and beverage manufacturers including ingredient suppliers, pet foods and growers. Also targets wide range of consumer goods and component parts manufacturers. Offers first-party coverage, e.g. recall expenses, contamination, adverse publicity, etc. Also provides third-party coverage for reputational damages, business interruption and defense costs. Limits up to $15 million.

Agents and Surplus Lines Brokers

4 Stars

Allianz Global Corporate & Specialty

Writes component parts or contract manufacturers, and those in various non-food sectors. Offers first- and third-party recall expense coverage, as well as business interruption, rehabilitation, adverse publicity and crisis management expenses. Optional coverage for recall due to products’ failure to perform.

Select Brokers

4 Stars

Hiscox USA

Food and drink, pharmaceutical, consumer durables and automotive component parts manufacturers, as well as restaurant contamination. Coverage for recall costs, brand rehabilitation, extortion payments and third-party recall contractual liability, with limits up to $50 million.

Surplus Lines
Brokers

4 Stars

W.R. Berkley
(Berkley Global Product Recall Management)

Writes recall coverage for fine dining restaurants’ foodborne illness risks. Coverages also available for manufacturers, importers and distributors. Both first- and third-party protection, as well as pre-incident risk mitigation through crisis management company red24.

Program Administrators, Retailers and Wholesalers

3 Stars

Liberty International
Underwriters

Covers a wide range of food and beverage manufacturers and consumer goods manufacturers, from bakeries and seafood to appliances and sporting goods. Coverage of product recall and contamination, provided for both first-party recall expenses and third-party recall liability. Limits up to $15 million.

Select Brokers

4 Stars

Chubb Ltd.

Component parts, consumer goods and food and beverage manufacturers with sales up to $1 billion, excluding automotive and aviation manufacturers other than Tier 1-4 suppliers. Accounts with more than $1 billion in sales considered on excess basis or with high self-insured retention. Limits up to $10 million available on primary basis. Limits of $20 million available by obtaining facultative reinsurance.

Surplus Lines
Brokers

5 Stars

XL Catlin

Broad appetite including automotive, consumer durables, pharmaceuticals and food manufacturers, as well as restaurants. Covers first-party and third-party recall expenses with limits up to $50 million. Also offers 24/7 pre-incident consultancy.

Brokers

5 Stars

Zurich

Writes food and beverage manufacturers in particular but will consider most industries, excluding automotive. Coverages include first- and third-party recall, replacement and rehabilitation costs, business interruption and extortion costs. Limits up to $25 million, with additional indemnity limit of $10 million for consultancy fees.

Select Brokers

4 Stars

Starr Cos.

Wide range of finished goods and component parts manufacturers. Covers replacement, business interruption, consultant and third-party recall costs. Extensions available for third-party recall liability.  Limits up to $15 million for Product Defect and up to $25 million for Malicious Product Tampering and Product Extortion.

Select Brokers

4 Stars

Source: Crittenden Research Inc.

 

ExecSuite

Administered By: Monitor Liability Managers

Distribution: Carrier Direct

Industries:

Biotech, Directors & Officers (D&O), Manufacturers/Manufacturing Risks, Technology Risks

Carriers: Admiral Insurance Co., Berkley Insurance Co.

Coverage: Crime, Directors & Officers (D&O), Employment Practices Liability (EPL), Excess, Fiduciary Liability, Umbrella/Excess

Limits: up to $5 million (Primary or Excess Available.)

Beazley ECLIPSE®

Administered By: Beazley

Distribution: Direct/Broker

Industries:

Manufacturers/Manufacturing Risks, Real Estate Developer

Carriers: Beazley Insurance Co. Inc.

Coverage: Environmental/Pollution Liability, Excess, Umbrella/Excess

Limits: up to $25 million

BeazleyOne Management Liability (Package Policy)

Administered By: Beazley

Distribution: Direct/Broker

Industries:

Directors & Officers (D&O), Manufacturers/Manufacturing Risks

Carriers: Beazley Insurance Co. Inc.

Coverage: Directors & Officers (D&O), Employment Practices Liability (EPL), Excess, Fiduciary Liability, Umbrella/Excess

Limits: up to $20 million

Excess & Surplus Property

Administered By: Beazley

Distribution: Direct/Broker

Industries:

Apartments, Churches/Religious Institutions/Organizations, Gas Stations, Manufacturers/Manufacturing Risks, Real Estate Managers, Real Estate Owners, Real Estate Risks (Municipal Property), Retail, Senior Living Facilities

Carriers: Beazley Insurance Co. Inc.

Coverage: Commercial Property

Limits: up to $1 billion (TIV)

NutraGuard

Administered By: Beazley

Distribution: Direct/Broker

Industries:

Distribution Risks, Life Sciences, Manufacturers/Manufacturing Risks

Carriers: Beazley Insurance Co. Inc.

Coverage: Employee Benefits Liability, Errors & Omissions (E&O), General Liability, Hired & Non-Owned Auto, Medical Expenses, Privacy Liability/Notification Expense, Products & Complete Operations Liability, Products Liability, Professional Liability, Umbrella/Excess

Limits: up to $25 million

Philadelphia Hotel & Motel

Administered By: Philadelphia Insurance

Distribution: Carrier Direct

Industries:

Hospitality (Hotels/Motels), Manufacturers/Manufacturing Risks, Retail

Carriers: Philadelphia Insurance Co.

Coverage: Auto Liability , Boiler & Machinery, Commercial Property, Crime, Directors & Officers (D&O), Employee Benefits Liability, General Liability, Liquor Liability, Premises Liability

Limits: up to $1 million/$3 million (General Liability )

Worldwide Large Commercial

Administered By: Beazley

Distribution: Direct/Broker

Industries:

Manufacturers (Hardware), Manufacturers/Manufacturing Risks, Mine/Mining Risks, Municipalities/Government Bodies

Carriers: Beazley Insurance Co. Inc.

Coverage: Excess, Property, Umbrella/Excess

Limits: Up to - $20 Million (Any one risk)

Products Liability

Administered By: PPIB

Distribution: MGU

Industries:

Distribution Risks, Manufacturers/Manufacturing Risks, Medical Devices, Research/Research Organizations (Clinical, Etc.)

Carriers: Lloyd's of London

Coverage: Products Liability

Limits:

Enterprise PrivaProtector 9.0

Administered By: Ironshore

Distribution: Direct/Broker

Industries:

Consultants/Consulting Risks, Contractors, Financial Institutions, Healthcare Systems, Hospitality (Hotels/Motels), Manufacturers/Manufacturing Risks, Public Entities, Retail, Technology Risks

Carriers: Ironshore Inc.

Coverage: Business Income/Extra Expense, Cyber Liability, Data Security, Media Liability, Network Security Liability, Privacy Liability/Notification Expense, Regulatory Liability

Limits: up to $5 million

Environmental Liability

Administered By: Rockhill Insurance Group

Distribution: Carrier Direct

Industries:

Art Galleries/Fine Art/Museums/Antique Dealers, Artisan & Trade Contractors, Colleges & Universities, Consultants/Consulting Risks, Contractors, Environmental Consultants , Farm/Ranch/Agribusiness, Healthcare Systems, Hospitals, Laboratories, Manufacturers/Manufacturing Risks, Mercantile, Museums, Private/Charter Schools, Residential Real Estate (Directors/Managers), Schools, Schools (Adult Education), Sports Facilities, Trucking, Warehouses, Waste/Recycling Services

Carriers: Rockhill Insurance Co.

Coverage: Environmental/Pollution Liability, Excess, General Liability, Professional Liability, Umbrella/Excess

Limits: up to $11 million ((Total Combined Capacity)), up to $10 million ((Excess)), $1 million - $10 million ((Primary))

Excess Casualty

Administered By: Rockhill Insurance Group

Distribution: Carrier Direct

Industries:

Builders Risk/Home Builders, Commercial Real Estate (Industrial), Commercial Real Estate (Office), Commercial Real Estate (Retail), Contractors, Manufacturers/Manufacturing Risks, Mercantile, Restaurants, Trucking, Trucking (Hazmat), Trucking (Local/Intermediate), Trucking (Moving/Storage), Warehouses

Carriers: Rockhill Insurance Co.

Coverage: Excess, Umbrella/Excess

Limits: $1,000 - $2,500 (Minimum Premium), up to $5 million (Lead), up to $10 million (Excess Capacity)

General Liability

Administered By: Rockhill Insurance Group

Distribution: Carrier Direct

Industries:

Builders Risk/Home Builders, Commercial Real Estate Manager/Director, Contractors, Directors & Officers (D&O), Equipment Rentals, Hospitality (Hotels/Motels), Manufacturers/Manufacturing Risks, Rentals (Equipment), Residential Real Estate (Directors/Managers), Retail, Warehouses

Carriers: Rockhill Insurance Co.

Coverage: Directors & Officers (D&O), General Liability

Limits: $1 million - $2 million

Products Liability

Administered By: K&K Insurance

Distribution: MGU

Industries:

Manufacturers (Hardware), Manufacturers/Manufacturing Risks, Miscellaneous Risks

Carriers: Nationwide Mutual Insurance Co.

Coverage: Abuse & Molestation Liability, Products Liability, Umbrella/Excess

Limits: up to Contact Underwriting

TransitProtect Plus

Administered By: Ironshore

Distribution: Direct/Broker

Industries:

Car & Truck Manufacturers, Distribution Risks, Manufacturers/Manufacturing Risks

Carriers: Ironshore Inc.

Coverage: Additional Insured, Garage Keepers Legal Liability, Professional Liability

Limits: up to $5 million

Commercial Excess Liability

Administered By: Admiral Insurance Group

Distribution: Direct/Broker

Industries:

Amusement Parks, Contractors, Manufacturers/Manufacturing Risks, Restaurants, Vacant Property

Carriers: Admiral Insurance Co.

Coverage: Auto Liability , Commercial Package (BOP), Employment Practices Liability (EPL), Excess, Professional Liability, Umbrella/Excess

Limits: up to - $5 million (Excess subject to combined limit of $7,000,000 for combined Primary General Liability and Excess.)

Manufactured Housing

Administered By: ProSight Specialty Insurance

Distribution: Carrier Direct

Industries:

Manufacturers/Manufacturing Risks, Mobile Home Parks, Real Estate Managers, Real Estate Owners

Carriers: ProSight Specialty Insurance Group

Coverage: Auto Liability , Crime, General Liability, Inland Marine, Property Liability

Limits: Call - for Limits

Commercial Output Policy (Inland Marine)

Administered By: Navigators Management Co. Inc.

Distribution: Carrier Direct

Industries:

Builders Risk/Home Builders, Contractors, Inland Marine, Manufacturers/Manufacturing Risks, Warehouses

Carriers: The Navigators Group Inc.

Coverage: Construction/Builders Risk, Contractor's Equipment, Property

Limits: up to $10 million

Consumer Goods Product Recall

Administered By: XL Catlin

Distribution: Direct/Broker

Industries:

Food & Beverage Manufacturers, Manufacturers/Manufacturing Risks, Restaurants

Carriers: XL Catlin Insurance Co., Inc.

Coverage: Accidental Contamination, Products Liability

Limits: up to $50 million (Primary)

Employment Practices Liability

Administered By: NAS Insurance Services

Distribution: MGA

Industries:

Accountable Care Organizations (ACOs), Acupuncturist, Allied Health, Builders Risk/Home Builders, Chiropractors, Commercial Real Estate, Commercial Real Estate (Industrial), Commercial Real Estate (Office), Commercial Real Estate (Retail), Contractors, Dentists, Farm/Ranch/Agribusiness, Health Maintenance Organization (HMO), Healthcare Systems, Hospitals, Long-Term Care Facilities (LTC), Manufacturers/Manufacturing Risks, Massage Therapy/Therapists, Opticians, Pharmacies, Physicians, Podiatrists, Psychologists, Real Estate Agent/Broker, Real Estate Appraiser, Research/Research Organizations (Clinical, Etc.), Therapy/Therapists

Carriers: Lloyd's of London

Coverage: Employment Practices Liability (EPL)

Limits: $100,000 - $2 million

Employment Practices Liability

Administered By: Kinsale Insurance

Distribution: Carrier Direct

Industries:

Accountants & Accounting Services, Architects & Engineers (A&E), Art Galleries/Fine Art/Museums/Antique Dealers, Auto Service and Repair, Auto/Car Dealerships, Aviation Risks & Airports, Banks, Brokers/Dealers, Camps (Youth, Sports & Enrichment), Chemical Manufacturers/Distributors, Commercial Auto (Public Transportation), Construction Equipment/Machinery/Materials, Educational Risks (School Administrators), Energy Companies, Film Risks, Gas Stations, Hospitality (Hotels/Motels), Insurance Agents, Insurance Companies, Investment Advisers, Lawyers, Logging/Lumber/Forestry Risks, Manufacturers (Hardware), Manufacturers/Manufacturing Risks, Mine/Mining Risks, Miscellaneous Risks, Museums, Nonprofit Organizations, Real Estate Agent/Broker, Research/Research Organizations (Clinical, Etc.), Restaurants, Retail, Social Services, Utility Companies

Carriers: Kinsale Insurance Co.

Coverage: Bodily/Personal Injury, Employment Practices Liability (EPL)

Limits: up to $5 million/$5 million (Primary Limits)