Insurance Coverage for Food Contamination and Recall Claims under CGL, Property and Contamination Policies

Navigating Scope of Coverage, Coverage Triggers, Relevant Exclusions and Policy Language Interpretation

Recording of a 90-minute CLE webinar with Q&A

Conducted on Tuesday, November 29, 2016

Recorded event now available

or call 1-800-926-7926
Program Materials

This CLE webinar will discuss key insurance coverage issues for food contamination and product recall and claims under CGL, property and contamination policies, the scope of coverage, coverage triggers, relevant exclusions, and policy language interpretation. The program will address both first- and third-party coverage issues from the perspectives of both policyholders and insurers.


High-profile food contamination claims—as experienced recently by Chipotle—result first in devastating publicity, followed by a flood of class actions, shareholder suits and criminal investigations. Some claims will then result in costly and expensive product recalls and involvement from the FDA.

For companies facing food contamination and recall events, insurance coverage is essential to mitigating losses. CGL, property and specialty contamination/recall policies could be triggered for different reasons in a contamination claim and recall event.

Coverage is very fact specific and highly dependent on the policy language. Both counsel for policyholders and insurers must be prepared to fully understand the scope of these policies, coverage triggers and relevant exclusions to best represent their respective clients in contamination and recall events and litigation.

Listen as our panel of insurance practitioners walks you through the key coverage issues in food contamination and product recall and claims. The panel will analyze the scope of first- and third-party coverage, coverage triggers, relevant exclusions, and policy language interpretation under CGL, property and contamination policies. The perspectives of both policyholders and insurance carriers will be presented.



  1. CGL policies
    1. Third-party coverage for bodily injury
    2. Third-party coverage for property damage
  2. First-party property policies
    1. Contamination exclusion
  3. Product contamination policies
    1. Coverage trigger: What is an “error”?
  4. Coverage for preventive recalls
  5. Coverage for adverse publicity


The panel will review these and other key issues:

  • Coverage for third-party injuries
  • Coverage for first-party damages
  • Coverage issues and challenges for preventive recalls
  • Coverage issues and challenges for damages arising from adverse publicity


Chesler, Robert
Robert D. Chesler

Anderson Kill

Mr. Chesler represents policyholders in a broad variety of coverage claims against their insurers and advises companies...  |  Read More

Joann M. Lytle
Joann M. Lytle

McCarter & English

Ms. Lytle represents corporate policyholders in insurance coverage disputes. She handles disputes involving...  |  Read More

Edward Rhone
Edward Rhone

Principal, Claims Manager
Parker Smith & Feek

Mr. Rhone takes an advocacy position on clients’ behalf and facilitates negotiations between all parties to a...  |  Read More

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