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Contaminated Product Insurance

Food, drink, cosmetics, pharmaceuticals and tobacco products are susceptible to contamination, both accidental and by deliberate interference through malice for political or financial gain. Incidents such as the discovery of contaminated fish, liquor and fruit juice in South Africa are increasingly common and attract great media interest when they occur, which can have a disastrous impact on the public’s confidence in the affected product. Considerable costs can be incurred in both recalling and replacing the damaged product as well as in rebuilding public confidence. 

AIG South Africa Limited offers Contaminated Products Insurance to provide final protection for recall costs, net loss in profits and rehabilitation costs following either accidental or malicious contamination. To support our clients avoid a financial disaster, crisis management planning and loss prevention services through specialist consultants are provided at no cost.


Contaminated Product Insurance provides crisis management solutions by covering the following: 

  • Planning and loss prevention services through leading international crisis management specialists.
  • Recall costs.
  • Business interruption (lost net profit or lost gross profit available).
  • Rehabilitation costs, limited to 25%.
  • Consultancy costs of expert public relations consultants responding to one of seventeen specified types of crisis.

Who is it for?

Companies from the following sectors: 

Food & Beverage.

What is covered?

The programme consists of two parts: Accidental Contamination and Malicious Tampering of the insured’s product(s). 


Any accidental or unintentional contamination, impairment or mislabelling of an Insured’s product which occurs during or as a result of its production, preparation, manufacture or packaging; provided that the use or consumption of such product has resulted in or would result in a manifestation of bodily injury, sickness, disease or death of any person within 120 days after consumption or use. 


Any actual, alleged or threatened, intentional, malicious and wrongful alteration or contamination of the Insured’s product so as to render it unfit or dangerous for use or consumption or to create such impression to the public, whether caused by employees or not.



Contaminated Product Insurance policies are short-term products and are underwritten by AIG South Africa Limited, FSP No:15805