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The manufacture, sale, and distribution of products presents unique liability challenges, while a product recall can devastate a company's brand name and profitability.

Product liability risks are increasing for many organisations, given the tendency to source components or food ingredients from parts of the world lacking strong regulatory oversight. If something goes wrong, a product liability event not handled well can affect a company’s brand and reputation, stock price — even its bottom line.

Product Liability

Globalisation and the consolidation of industries mean that claims in general are getting bigger and often span multiple jurisdictions. In addition, the fusion of business and technology continues to increase exposures, making it ever more critical for manufacturers, distributors, and suppliers to ensure they have product liability insurance in place.

At Marsh, we provide a broad range of support, including:

  • Historical insurance policy organisation and analysis.
  • Collection, organisation, and analysis of claim information.
  • Identification and organisation of unallocated expenses.
  • Loss allocation modelling to support insurance recoveries.
  • Design of settlement schemes and negotiation with insurers.
  • Creation or enhancement of insurance billing systems.

Product Recall

The dangers of an ill-managed product recall can be devastating to your reputation. At Marsh, we can help identify solutions for you anywhere in the supply chain, for a vast range of products. Our aim is to help identify the most appropriate trigger for your product and then design a product recall program that meets your needs.

Key insurance policies available on a standalone basis include:

  • Contaminated products insurance.
  • Automotive recall insurance.
  • Pharmaceutical recall insurance.
  • Restaurant insurance.
  • Consumer goods.
  • Packaging companies.
  • Product guarantee.

In addition to the standard cover, you may also benefit from a crisis response service, which insurers may offer at no extra cost. Specialist product recall consultants are available 24 hours a day to help you manage and mitigate the impact of an incident in the early stages of a crisis.

The result: Whilst your business structure may include a complex web of suppliers, spanning multiple geographies and jurisdictions, the key to better protection is to understand those exposures and build resilience. Marsh can help design a specialist insurance program to provide the depth of cover you may need.

This page contains general information, does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Pty Ltd on request. Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238983) arranges the insurance and is not the insurer.

Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238983) (“Marsh”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by Jardine Lloyd Thompson Pty Ltd (ABN 69 009 098 864, AFSL 226 827) which is a related entity of Marsh. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.