Healthy Snacks Thought They Were Fully Insured... The Policy Exclusion Proved Otherwise.
Most Product Liability Insurance policyholders never realize how specific policy language can affect their policies — until they learn how it can affect a claim. My Policy Advocate™ helps you understand your coverage before you need it.
Healthy Snacks USA’s Recall Expense*
Healthy Snacks USA faced an FDA recall after a batch of protein bars was contaminated. Product liability covered injury settlements, but it did not cover the over $700,000 cost of the recall itself—logistics, PR, and retailer chargebacks.
Potential Denial (The Exclusion):
Standard Product Liability covers bodily injury from a faulty product, but does not cover the financial costs of a product recall itself unless an add-on “Product Recall Expense” rider is purchased.
Risk Identified by My Policy Advocate:
Recall/remediation expense exclusions—US policy default.
Policy Language:
“Insurance does not cover… the cost of any recall, withdrawal, removal, or remediation.”
Discovery by Clara, our Ai Assistant:
Clara identifies the absence of the “Product Recall Expense” rider, a critical coverage for manufacturers and distributors.
Questions to Ask Your Agent:
- Is a recall, withdrawal, or expense rider attached to my US liability policy?
* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.
Why My Policy Advocate
We Read Every Line So You Don’t Have To.
- Upload your policies (PDFs or insurer downloads).
- Our AI assistant, Clara, analyzes every line for outdated limits, exclusions, or risky endorsements.
- You get a clear summary and renewal reminders that help prevent coverage gaps.
Trusted. Secure. Independent.
- 100% Satisfaction Guaranteed — or your money back.
- Secure data storage on Google Cloud (never sold or shared).
- Supported by independent advocates — not insurance companies.
Your Membership Helps Others, Too.
Each month, My Policy Advocate™ donates $100,000 to disaster-impacted communities. Members vote on where funds go — because true advocacy means Paying it Forward.
Don’t Wait for a Claim to Discover the Truth.
Join thousands of members who are taking control of their coverage and protecting what matters most.
For Educational Purposes Only: My Policy Advocate is an educational platform, not a licensed insurance agent, broker, or financial advisor. We do not sell insurance or provide legal, financial, or tax advice. Our goal is to help you understand your existing policies.
© My Policy Advocate 2025
