Selling Products? Build a Recall Response Insurance Checklist

Map the products you sell or make

A Johnson County shop may sell food, handmade goods, or products bought from a supplier. List what you make, relabel, import, distribute, or resell. Keep supplier contracts, batch or lot numbers, purchase dates, and customer-order records where they can be found quickly. These details help trace a problem and support a discussion about liability and response costs. Do not assume a supplier policy protects every part of your business.

Separate injury claims from recall expenses

A product liability claim and a voluntary or required product recall can create different costs. Ask your agent how your issued general liability and products-completed-operations terms address bodily injury or property damage. Then ask separately about removing products, notifying customers, shipping, replacing stock, disposal, testing, and lost income. Standard policies may exclude some recall expenses; specialized coverage may be available and may have conditions or limits.

Write down who makes each decision

Create a short response plan with a person responsible for stopping sales, tracing affected items, contacting suppliers, preserving records, and handling customer questions. Follow applicable regulator and legal guidance for any real safety issue. Before promising refunds, replacement, or insurance payment, confirm the facts and policy terms. Promptly notify the insurer when required and keep a record of what was said and done.

Review the plan as inventory changes

A new product line, private label, new supplier, or different sales channel can change the risk. Our handmade-products guide covers a related liability review; the Small Business Insurance archive has more local business topics. Bring product lists and current policy documents to Jennifer Dammeier Agency to discuss available options for your operations.

The Jennifer Dammeier Agency serves Bargersville and nearby Johnson County communities. Contact Jennifer Dammeier American Family Insurance with your current policy and details of your situation to discuss available options.

This article provides general educational information, not individualized insurance, legal, or tax advice. Coverage, availability, limits, exclusions, and claims depend on the policy and insurer. Review your documents with a licensed agent and consult other qualified advisors as needed.