When a product recall hits, it’s not only about lost revenue - it puts a business's reputation, trust, and resilience to the test. From contaminated ingredients to faulty components, even a single oversight can have a ripple effect throughout an entire supply chain. That’s why Delta’s Product Recall Insurance is built to respond fast and protect broadly, long before and long after a recall occurs.
To unpack what makes Delta’s approach different, our specialist underwriting team has prepared a Q&A that explores how our policy safeguards manufacturers, retailers, and designers alike, from crisis response to complete recovery.
Delta’s policy is designed to trigger coverage across the entire manufacturing and production process, not just once products reach the market. This ensures that businesses are protected at every stage, from design through to distribution.
Delta has a broad risk appetite. We provide cover for both food and non-food industries, ensuring flexibility to meet the needs of consumer goods manufacturers, parts suppliers, and service providers.
Yes. Our Consumer Goods & Component Parts wording includes coverage for Design Errors and Omissions, which not only protects manufacturers but also reimburses professional service providers such as designers who may incur liability for defective designs.
Yes. Our Consumable Products wording can be extended to cover Retailers and Customer Withdrawals, providing downstream protection along the supply chain.
Yes. Designers—not just manufacturers—can be covered. Our policy reimburses the costs of correcting an error along with any third-party loss of profits stemming from design-related issues.
No. Unlike many other policies in the market, none of Delta’s coverages are sub-limited. Clients have access to their full indemnity limit for covered losses, providing maximum protection when it matters most.
For SME clients, Delta offers NIL retention options. This eliminates the initial deductible that businesses usually need to pay, minimising the financial impact of a recall on smaller enterprises.
No. The costs of crisis consultants are covered in addition to the Limit of Indemnity and are not subject to retention. This means clients can fully utilise their indemnity limit for recovery while still accessing expert crisis management support.
Delta has partnered with world-leading crisis consultants and experienced loss adjusters. These specialists assist businesses with investigations, crisis management, recall logistics, and brand reputation recovery, ensuring clients are supported from the first alert through to resolution.
Coverage is available via Delta Connect, with limits of up to $500,000 for businesses with under $10 million in turnover. There are no restrictions on the number of employees, making this policy accessible and scalable for growing enterprises.