Liability & Special Risks Cluster

Contaminated Product and Recall Insurance

Across the board, product manufacturers, processors and retailers understand how crippling a recall or withdrawal due to a contamination or tampering can be, not only with regards to a single business operation, but to an entire industry’s reputation at large. Consumer belief is not easily recovered and knowing how to respond and communicate is as critical to your practice as planning, prevention and management is to your setup. At iTOO we understand that no matter how well managed your production lines, cold storage or retail spaces are, there’s always the danger of an unforeseen outbreak or sabotage. When you’re faced with a complex recall, make sure you have the best in class experts who know how to make the right calls for your business.

Why get your Contaminated Product and Recall Insurance covered by iTOO?

World-class service. Global expertise.

With iTOO, our Contaminated Product Insurance Policy is designed to protect clients from incidents and losses as a result of contaminations and malicious tampering that lead to product withdrawals or recall.  Our proficiency expands across a wide variety of food and beverage manufacturers, processors and retailers offering our clients access to market leading consultants and global expertise.

Our specialists provide a full spectrum of services to support this policy with access to an advanced global suite of services in the United States, Europe and Asia-Pacific including:

  • A crisis-specific team of prevention and management experts, offering relevant expertise to manage every unique challenge.
  • Regional technical understanding of food safety regulations.
  • Prompt, direct dealings through each and every phase, from product recall planning and prevention to post-recall consulting and recovery.
  • Loss mitigation and prevention consulting.
  • Leading research and analytical capabilities to keep you up to speed with current issues.

We are different

We believe it’s agile application and exceptional service that mark the successful handling and management of a recall situation. Which is why at iTOO we’re all about the right, localised experts, who truly understand the ins and outs of the food and beverage industry, offering uniquely tailored solutions to your business. It’s the iTOO difference that makes the biggest difference to you.

Claim example


The 2017-2018 Listeriosis outbreak, killing more than 180 South Africans and shaking an entire industry will not be soon forgotten. The source of the outbreak strain, known as ST6, was finally discovered to originate from an Enterprise Foods production facility in Polokwane. Almost all Enterprise products were pulled nationwide, and the Polokwane factory was immediately closed. A second factory in Germiston, as well as a Rainbow Chicken Wolwehoek production facility, was also found to contain listeria monocytogenes. As a result, a total amount of 5 812 tons of ready-to-eat processed meat was recalled nationwide, with the total cost of containing the outbreak amounting to R12m. It is not surprising that consumers remain distrusting of certain producers and products and most probably will be for some time to come. The right information, action, management and communication is, as this case proved, critical to not only saving lives, but curbing an outbreak’s overall impact.

How to claim

Our emergency incident response hotline is available 24/7 on:

011 351 5000 or

You’re in the hands of an expert. You can always be assured of professionalism, quick turnaround times and world-class technical knowledge. We’ll keep you in the loop every step of the way. Simply send us an email detailing your claim and our claims department will contact you for specific details.

Contaminated Product and Recall Insurance Contacts


Who needs this cover and why?

All businesses in the food and beverage industry that might produce, process, manufacture or sell human consumables.

What are the preferred classes of risks?

Classes of risks/businesses include a wide variety of manufacturers, processors and retailers in the food & beverage sector. The major eligibility factor is that the product must be ingestible and for human consumption. The preferred market segments are food and beverage accounts and the size, complexity and class of business are some elements that will determine the deductible requirement.

What is covered under this policy?

  • Accidental Contamination
  • Malicious Product Tampering
  • Extortion