Contaminated Products Insurance (CPI)
Mitigata compares insurer options and helps you choose the right contaminated products insurance that fits your product, supply chain, and recall risk.
HDFC ERGO
Bajaj Allianz
ICICI Lombard
Iffco Tokio
SBI General
Kotak Zurich
Raheja QBE
TATA AIG
Liberty General
Cholamandalam
Shriram General
Reliance
Go Digit
What protects your products. What doesn't.
This section explains common covered and not-covered areas before a contamination event turns into a claim.
- Covered01 / 10
Accidental contamination
Covers loss caused by accidental contamination that makes insured products unsafe, harmful, or unfit for use.
- Covered02 / 10
Malicious tampering and extortion threats
Covers certain losses from third-party contamination, alteration, tampering, or credible threats of product contamination.
- Covered03 / 10
Product recall costs
Covers reasonable expenses for withdrawing, transporting, storing, or disposing of affected products after a covered event.
- Covered04 / 10
Business interruption
Covers loss of income when a covered contamination event disrupts normal business operations.
- Covered05 / 10
Crisis response and investigation
Covers expert support, lab testing, inspection, investigation, legal guidance, customer communication, and brand recovery.
- Covered06 / 10
Product rehabilitation
Covers approved costs to restore product confidence, relaunch affected products, or rebuild market trust after a covered incident.
- Not covered07 / 10
Known issues and insured's intentional acts
Known contamination, defects, unsafe conditions, or losses caused by deliberate, fraudulent, criminal, or dishonest acts by the insured are not covered.
- Not covered08 / 10
Poor quality or expiry
Losses from normal spoilage, expired products, gradual deterioration, or routine quality failure are not covered.
- Not covered09 / 10
Fines
Fines, penalties, punitive damages, legal sanctions.
- Not covered10 / 10
War, nuclear, and pollution risks
Losses arising from war, nuclear contamination, radiation, pollution, or similar excluded events are not covered.
Disclaimer: Explanations in "What's Included" are illustrative and subject to the Policy's terms, conditions, and exclusions. Refer to the Policy Document for details.
Cheap cover can get expensive later.
Most insurance journeys stop at quote comparison. Mitigata studies your product, supply chain, insurer options, and claim support needs before recommending Contaminated Products Insurance.
Quote first. Questions later.
- 01·Price
Premium gets compared before product risk is understood.
- 02·Wording
Exclusions appear only when the claim gets serious.
- 03·Claims
Documents move slowly across brokers, teams, and insurers.
- 04·Support
After purchase, help becomes unclear and delayed.
Risk checked. Cover matched. Support stays.
- 01·Assess
We review product type, batches, and exposure.
- 02·Match
Top insurers are compared for wording, fit, and price.
- 03·Claims
24/7 support helps claims move without chaos.
- 04·Honest
We explain limits clearly and never overpromise.
Covers that protect the risks around your product.
Pair CPI Insurance with policies that cover product defects, business liability, cyber incidents, and broader third-party claims.
Product Liability Insurance
Protects against covered third-party injury, disease, death, or property damage caused by defective products.
Commercial General Liability Insurance
Broader business liability cover for third-party bodily injury, property damage, advertising injury, legal defence, and completed operations.
Cyber Insurance for Businesses
Corporate cyber cover for data breaches, ransomware, business interruption, breach response, legal costs, and third-party liability.
The "do we need Contaminated Products Insurance?" section.
- Contaminated Products Insurance protects businesses from covered losses linked to product contamination, tampering, recall, and crisis response.
- Food, beverage, FMCG, pharma, cosmetic, nutraceutical, packaged goods, and product-led businesses should consider CPI Insurance.
- Yes, it may cover recall, transport, storage, disposal, testing, and investigation costs after a covered contamination event.
- Yes, malicious tampering or contamination threats may be covered, depending on policy wording, evidence, and insurer approval.
- No. Regulatory fines, punitive damages, penalties, and sanctions are generally excluded from CPI Insurance.
- Mitigata compares insurer options, explains policy wording, supports documentation, and helps during claim coordination.
Your product trust needs backup.
Bring your product category, current quote, supply chain details, or recall concerns. We'll help map the right cover.