Locate the stock
Map inventory at home, suppliers, warehouses, fulfilment centres and in transit. Record peak values and who bears loss at each stage. Ask about third-party storage and transport arrangements rather than assuming stock is covered wherever a fulfilment provider holds it.
Which locations and journeys appear in the stock protection?
Separate recall costs from liability
Discuss customer injury allegations separately from withdrawal, replacement, shipping and communication costs. Keep batch records and a supplier contact process. Ask which recall-related costs are excluded, optional or handled by a dedicated product; do not infer an answer from the phrase product liability.
What would fund a voluntary or required product withdrawal?
Make the next conversation useful
Bring the current documents and explain any changes. These details are a useful starting point:
- Product list and supplier details
- Sales split by country and marketplace
- Annual revenue and forecast sales
Ask the provider to connect its answer to the actual policy or eligibility terms, including exclusions, dates and reporting conditions. Keep the confirmed answer with the offer.
Sources & further reading
General insurance principles and the jurisdiction-specific references below support further reading. Examples are illustrative; individual policy terms require provider confirmation. Content updated October 11, 2026.