Such products are susceptible to accidental and intentional contamination by:

The policy covers losses of reasonable and necessary expenses of:

1. Recall / Restoration / Replacement Costs
2. Consultant Costs
3. Extortion Costs

arising out of any of the following Insured Events first discovered and
reported during the Policy Period:

A. Accidental Contamination

Any unintentional contamination of an Insured Product(s), which occurs during or as a direct result of its production, preparation, manufacture, or packaging , provided that:

      (1) the unintentional contamination arises out of any action or effects of any External       Substance or Mislabeling; and

      (2) the use or consumption of an Insured Product has resulted in or would result in bodily       injury within one hundred and twenty (120) days following such consumption or use.

B. Malicious Tampering

Any actual, alleged or threatened, intentional, malicious, and wrongful alteration or contamination of the Insured's Product(s), whether or not by an employee of the Insured, so as to render it unfit or dangerous for its intended use or consumption or to create such impression to the public.

C. Product Extortion

Any threat or connected series of threats to commit a Malicious Tampering of the Insured Product, for the purpose of demanding Ransom Monies, communicated to the Insured.

Major Exclusions

(1) Bioengineering, genetic engineering or genetic modification

(2) Carcinogenic contamination

(3) Change in governmental regulations or public perceptions

(4) Intentional violation by the Insured of any governmental regulations

(5) Deterioration, decomposition, or transformation of the chemical structure, unless such deterioration, decomposition, or transformation is a result of an Accidental Contamination

(6) Any injury, damage, or claim made by a third party arising out of or in connection with the use or consumption of the Insured Product, including any defense costs related to a third party lawsuit

How to insure?

Insurers need to know about the business of Insured, which include products, distribution of sales and markets as well as internal procedures for quality assurance, regulatory compliance, and recall preparedness to consider for insurance proposal.

Application form must be completed and submitted to underwriter for quotation.


For more information, please contact: Khun Wasana Sombuthom
Tel. 01-825-7528 E-mail Wasana@aprc-consultants.com