Contaminated Product & Product Recall Insurance

Clarity at the intersection of product risk and insurance.

Expert analysis and practical guidance on Contaminated Product Insurance and Product Recall Insurance — helping claim professionals, underwriters, brokers, and policyholders navigate coverage with confidence.

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Portrait of the attorney and CPI/PRI insurance coverage specialist

The Practice

A focused, experienced legal voice on a narrow, high-stakes coverage niche.

Conceptual still life representing product safety and insurance

Contaminated Product Insurance and Product Recall Insurance sit at the crossroads of insurance coverage, tort law, food, auto, and product regulation, and first- and third-party coverage. This practice translates that complexity into clear, usable guidance for every stakeholder in the CPI/PRI ecosystem.

Coverage Analysis

Dissecting CPI/PRI policy forms — insured vs. excluded perils, trigger language, and the boundaries between first-party, third-party, and recall-triggered coverages.

Claim Strategy

Translating policy language into actionable claim strategy for claim professionals navigating contamination, product defect, and recall events.

Recall Event Response

How recall costs, consultant fees, and business interruption are recovered — and where coverage gaps most often emerge in practice.

Broker & Underwriter Insight

Plain-English discussions that help brokers place the right coverage and underwriters price risk with a clearer view of the legal landscape.

AI-Generated Video Briefings

Short, focused video explainers on the CPI/PRI issues that matter.

Featured Briefing

Claims-made: A Critical Difference

Why the claims-made trigger is a defining feature of CPI/PRI — and how it separates covered events from those that fall outside the policy period.

Important Supplier Information In Your CPI/PRI Application

Loss: Solely and Directly

Consequential - Timely Notice Under CPI/PRI

CPI/PRI: No Duty To Defend

Disclaimer

The information provided is for educational purposes and does not constitute legal or insurance advice. Consult qualified professionals for specific coverage questions.

Articles & Blog

Focused expert analysis

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CPI/PRI Claims·Sep 2026

Transparency: The One Step That Changes Everything in CPI/PRI Claims

CPI/PRI claims move faster when the people around the claim share an early, usable view of what happened. A clean, one-page preliminary summary organizes the work, exposes the real information gaps, and turns broad requests into targeted questions.

4 min readRead article

CPI/PRI Analysis·Sep 2026

Does Adverse Publicity = Covered Loss?

A trigger is only the beginning. In CPI/PRI, satisfying an Insured Event definition and proving covered Loss are related but distinct steps. A stakeholder guide to causation, timing, and the difference between a triggered Insured Event and a covered amount of Loss.

12 min

CPI/PRI Analysis·Sep 2026

Third Party Recall Liability Does Not Transform Your CPI/PRI Policy into a CGL Policy

A stakeholder guide to Third Party Recall Liability Coverage — what TPRL actually covers, why it does not transform your CPI policy into a general liability policy, and the jurisdiction and wording factors that shape coverage.

5 min

Recall & Contamination Tracker

Notable recalls, with a CPI/PRI angle.

A curated selection of recent product recall and contamination events across the FDA, USDA-FSIS, NHTSA, CPSC, EU RASFF, and Asian regulators — each with short CPI/PRI commentary.

NHTSAOct 2, 2026

Supply Chain Headache

Contaminated LED Chip

Ford Motor Company (Ford) is recalling over 41,000 vehicles. The headlight assemblies may contain a contaminated LED chip, which can result in a loss of daytime running lights, parking lights, high beams or low beams.

CPI/PRI commentary

Imagine the CEO of a second or third tier supplier to an OEM learning her company supplied Ford and its supply chain with a contaminated LED chip. The recall expense is going to be enormous.

Now, imagine the CEO of one of the tiered suppliers learning that the supplier, which supplied the defective chip, does not have the resources to cover the recall expenses.

CPI/PRI can help companies survive supply chain recalls.

What's in your insurance portfolio?

Notice

USDA-FSISOct 1, 2026

Attention Deficit Recall

Plastic Foreign Material

Fontanini Foods LLC, a McCook, Ill., establishment, is recalling approximately 2,320 pounds of raw, frozen pork breakfast sausage products that may be contaminated with foreign material, specifically clear, hard plastic,

CPI/PRI commentary

Everyone has a bad day.

When that bad day results in a manufacturing error, the entire company and the bottom line suffer a bad day, perhaps, a bad year.

Here, whether a machine was off spec or someone was not paying attention because of a personal matter, the company is going to suffer significant recall costs.

CPI/PRI can help a company with downstream customers and the resulting recall costs when a bad day hits.

What's in your insurance portfolio?

Notice

FDASep 30, 2026

Failed Quality Test, Post Distribution = Expensive Recall

Quality Test Failure

Widely used medication recalled nationwide because of a failed quality test.

CPI/PRI commentary

Your trusted product has been manufactured, shipped, and distributed. All is good as the end of the year quickly approaches.

Yikes, bad news from QA. The product failed quality testing, what now?

Well, first you get to tell the FDA - always fun stuff. After they put you on the regulatory naughty list, you get to prepare a celebratory note announcing the recall to distributors, retailers, and customers. I promise those who received your holiday gift will respond with one of their own - a guy named Scrooge, who is employed with each of your customers, will be seeking damages. His gift to you.

Next, you get to go to a meeting with the C-Suite and discuss the financial hit, which will make the year a red one. Just in time for the holidays!

If you have contaminated product insurance or product recall insurance (CPI/PRI), you would have been able to tell Scrooge that recall and business interruption costs are covered.

What's in your insurance portfolio?

Notice

About

Joe Bermudez

CPI/PRI Expert

With over 20 years of exclusive dedication to Contaminated Products Insurance and Product Recall Insurance (CPI/PRI), I offer unparalleled legal expertise to stakeholders in the CPI/PRI Marketplace. My practice is 100% focused on CPI/PRI matters, providing clients with a unique 360-degree perspective essential for resolving even the most complex claims efficiently and effectively.

Having served as coverage counsel, broker, coverholder, policy author, wording analyst, and crisis consultant, I possess a holistic understanding of the CPI/PRI ecosystem. This comprehensive insight enables me to uniquely and definitively address claim and wording issues, helping claim professionals and underwriters quickly determine coverage and extent of loss, thereby minimizing uncertainty and delays.

As a recognized expert and thought leader, I actively contribute to advancing the CPI/PRI Marketplace through various initiatives, including but not limited to CPIPRI360.com; Global Crisis Management Summits: GCMS Americas, GCMS Europe, and GCMS Asia; Think Differently; Discussions In Crisis Management; Crisis Management Salons; and C-19 Virtual Townhalls.

I am frequently retained as a CPI/PRI expert and have achieved extraordinary resolutions and favorable mediations, while always striving to prevent claim friction and litigation.

My distinctive ability to navigate and resolve CPI/PRI matters with foresight has consistently delivered remarkable results for all stakeholders. I am committed to leveraging my unique experience to provide clear guidance and strategic solutions, ensuring successful outcomes for the CPI/PRI Marketplace.

Get in touch

Have a coverage question or a speaking invitation?

Whether you're a claim professional working through a difficult file, a broker placing CPI/PRI coverage, or a company seeking to protect its bottom line — reach out.

joebermudez@cpipri360.com

+1 303.547.2822

Serving the global CPI/PRI Marketplace

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Audiences served

CPI/PRI insurance claim professionals
Counsel and parties seeking a CPI/PRI expert
Underwriters pricing contamination, defect, & recall risk
Insurance brokers placing CPI/PRI coverage
Counsel and parties seeking a CPI/PRI mediator
Crisis Consultants
Companies navigating CPI/PRI

Clarity at the intersection of product risk and insurance.

A focused, experienced legal voice on a narrow, high-stakes coverage niche.

Coverage Analysis

Claim Strategy

Recall Event Response

Broker & Underwriter Insight

Short, focused video explainers on the CPI/PRI issues that matter.

Claims-made: A Critical Difference

Important Supplier Information In Your CPI/PRI Application

Loss: Solely and Directly

Consequential - Timely Notice Under CPI/PRI

CPI/PRI: No Duty To Defend

Focused expert analysis

Transparency: The One Step That Changes Everything in CPI/PRI Claims

Does Adverse Publicity = Covered Loss?

Third Party Recall Liability Does Not Transform Your CPI/PRI Policy into a CGL Policy

Notable recalls, with a CPI/PRI angle.

Supply Chain Headache

Attention Deficit Recall

Failed Quality Test, Post Distribution = Expensive Recall

Subscribe to CPI/PRI360.

Joe Bermudez

Have a coverage question or a speaking invitation?