Understanding the Coverage Gap
- Shidonna Raven
- 6 hours ago
- 1 min read
January 21, 2026
Source: Hylant
Photo / Image Source: Unsplash,
Understanding the Coverage Gap
A common misconception is that General Liability or Products Liability insurance will respond to recall costs. In most cases, that is not how these policies work.
GL and Products Liability policies are designed to cover bodily injury and property damage claims
Recall-related costs are typically excluded
Any recall-related coverage under GL policies is usually limited and narrowly defined
Dedicated recall endorsements are uncommon and often restrictive
Product recall insurance exists to prevent liability claims, not to respond after an injury occurs. Most recall expenses arise before any bodily injury takes place, which is why traditional liability coverage generally does not apply.
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