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Contaminated Products


Don’t let a mistake undermine your company’s reputation

Our coverage has all the right ingredients. With hundreds of recalls overseen each year by the Canadian Food Inspection Agency alone, and with associated costs increasing, clients are rarely sufficiently covered through an endorsement on their liability policy. Contaminated products create havoc for people and businesses alike. Whether the cause is accidental or malicious, one incident of product contamination will have an immediate impact on your company’s financials.

While you can’t always prevent a crisis, you can be prepared for one.

Target classes

  • Beverage
  • Cosmetic industries
  • Food
  • Pharmaceuticals

Limited appetite

  • Deli meat
  • Flour and grains
  • Ground beef
  • Leafy greens
  • Pet food

Generally excluded from appetite

  • Any non-ingestible or topical products

Policy highlights

Includes standard withdrawal expenses that can be triggered by:

  • Accidental contamination
  • Malicious product tampering
  • Product extortion

Policy also includes key coverages that provide unrivaled brand and balance sheet protection, such as:

  • Brand rehabilitation costs
  • First-party business interruption which includes loss of gross earnings for up to a 12-month period

Examples of available endorsements:

  • Adverse publicity
  • Government recall
  • Third-party compensatory damages


$15 million

The Liberty difference

  • Partnered with best-in-the-business crisis consultants WorldAware (formerly red 24) with 10% of the net premium being available as a credit to work with them annually

Why Liberty?

  • • A.M. Best Financial Strength Rating ‘A’ (Excellent); S&P rating of ‘A’ (Strong)
  • • Efficient cross-border capabilities
  • • Established Canadian market presence for over 25 years
  • • Access to Liberty Mutual’s extensive international network
  • • Local underwriting authority
  • • Local risk engineering and risk control experts
  • • In-house claims service team