{"id":18568,"date":"2021-10-19T12:25:41","date_gmt":"2021-10-19T12:25:41","guid":{"rendered":"https:\/\/insuropedia.in?p=18568"},"modified":"2026-07-21T03:26:04","modified_gmt":"2026-07-21T03:26:04","slug":"how-does-product-recall-liability-policy-work-and-what-does-it-cover","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/how-does-product-recall-liability-policy-work-and-what-does-it-cover\/","title":{"rendered":"How does product recall liability policy work, and what does it cover?"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p>Product recall is a request from the manufacturer to return a product after the discovery of safety issues. Or product defects that might endanger the consumer or put the maker\/seller at risk of legal action. The product recall insurance is provided as an add-on to the <a href=\"https:\/\/securenow.in\/commercial-liability-insurance\/product-liability-insurance\">product liability insurance policy<\/a>.<\/p>\n<h2 data-path-to-node=\"3\">Key Takeaways<\/h2>\n<ul data-path-to-node=\"4\">\n<li>\n<p id=\"p-rc_ba40ecbcf8cc4516-94\" data-path-to-node=\"4,0,0\"><b data-path-to-node=\"4,0,0\" data-index-in-node=\"0\">The Statutory Safety Trigger:<\/b> <span class=\"citation-274\">Payout eligibility requires an explicit threat, meaning <\/span><span class=\"citation-274\">product recall insurance covers expenses if a product poses an imminent threat of bodily injury or property damage<\/span><span class=\"citation-274 citation-end-274\">.<\/span><\/p>\n<\/li>\n<li>\n<p id=\"p-rc_ba40ecbcf8cc4516-95\" data-path-to-node=\"4,1,0\"><b data-path-to-node=\"4,1,0\" data-index-in-node=\"0\">Exclusion of Non-Hazardous Flaws:<\/b> The policy serves as a safety shield, not a product warranty; <span class=\"citation-273\">it <\/span><span class=\"citation-273\">does not provide coverage for defective products that simply do not work<\/span><span class=\"citation-273 citation-end-273\">.<\/span><\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"4,2,0\"><b data-path-to-node=\"4,2,0\" data-index-in-node=\"0\">Protection for Small Business Solvency:<\/b> Large conglomerates can often absorb the heavy cost of a logistics crisis, but a company could be forced into bankruptcy if it doesn&#8217;t have product recall coverage.<\/p>\n<\/li>\n<li>\n<p id=\"p-rc_ba40ecbcf8cc4516-96\" data-path-to-node=\"4,3,0\"><b data-path-to-node=\"4,3,0\" data-index-in-node=\"0\">Dual Multi-Channel Activation:<\/b> <span class=\"citation-272\">Remediation terms apply broadly across operational scenarios, meaning covered <\/span><span class=\"citation-272\">recalls can be voluntary or involuntary<\/span><span class=\"citation-272 citation-end-272\">.<\/span><\/p>\n<\/li>\n<li>\n<p id=\"p-rc_ba40ecbcf8cc4516-97\" data-path-to-node=\"4,4,0\"><b data-path-to-node=\"4,4,0\" data-index-in-node=\"0\">B2B Supply Chain Insulation:<\/b> <span class=\"citation-271\">Component suppliers face unique risks from downstream business partners, meaning <\/span><span class=\"citation-271\">third-party coverage should be purchased if there is a third party between your company and the end-user<\/span><span class=\"citation-271 citation-end-271\">.<\/span><\/p>\n<\/li>\n<li>\n<p id=\"p-rc_ba40ecbcf8cc4516-98\" data-path-to-node=\"4,5,0\"><b data-path-to-node=\"4,5,0\" data-index-in-node=\"0\">Closing the Impaired Utility Gap:<\/b> Standard policy terms change when using specialty riders; <span class=\"citation-270\">the <\/span><span class=\"citation-270\">trigger for the impaired property is that your ingredient or component has potentially made another product less useful<\/span><span class=\"citation-270 citation-end-270\">.<\/span><\/p>\n<\/li>\n<\/ul>\n<p>Product recall insurance within the product liability policy covers expenses associated with recalling a product from the market if it poses an imminent threat of bodily injury or property damage. It does not provide coverage for defective products that simply do not work. The trigger for product recall insurance is the same as that for <a href=\"https:\/\/securenow.in\/insuropedia\/product-liability-insurance\/\">product liability insurance<\/a>\u00a0 &#8211; bodily injury and property damage.<\/p>\n<p>As long as the property damage or bodily injury trigger is met, recalls can be voluntary (the manufacturer notices a defect that is unlikely to force an involuntary recall)\u00a0or involuntary\u00a0(required by a regulatory agency or the government), and\u00a0can be costly.\u00a0A company\u00a0could\u00a0be forced into\u00a0bankruptcy\u00a0if it doesn&#8217;t have product recall coverage, especially smaller companies. While many large organizations have the resources to address the impact of a product recall, smaller\u00a0organizations simply cannot absorb such losses.<\/p>\n<p>The risk of a product recall has increased dramatically in recent years due to increasing numbers of global regulatory standards and an almost constant roll-out of new product safety rules. Therefore, the most common products that experience product recalls are child safety seats, cosmetics, food, beverages, medication, toys, electronics, and vehicles.<\/p>\n<p>Product recall insurance indemnifies the insured for those sums that may legally obligate them to pay as compensatory damages. Arising out of recall, removal, recovery of possession or control, or disposal of the manufactured product, sold, marketed, handled, or distributed by the insured.<\/p>\n<h2>The two parts of product recall liability policy coverage are &#8211;<\/h2>\n<h3>First Part<\/h3>\n<ol>\n<li>Direct Expenses or First-Party Expenses<\/li>\n<li>Notification of customers<\/li>\n<li>Shipping costs<\/li>\n<li>Warehouse and storage expense<\/li>\n<li>Cost to dispose of products<\/li>\n<li>Cost of extra personnel required to conduct the recall<\/li>\n<\/ol>\n<h3>Second Part<\/h3>\n<ol>\n<li>Third-Party Expense<\/li>\n<li>Recall expenses of the third party for the recall of any product that uses your product. That includes the cost of repairing or replacing the product<\/li>\n<li>Business Interruption (lost income and expenses) of third parties using your product<\/li>\n<li>Cost to repair and rehabilitate third party\u2019s reputation<\/li>\n<li>Additional cost to purchase substitute products to replace your products<\/li>\n<\/ol>\n<h4>Third-party product recall coverage should be purchased if &#8211;<\/h4>\n<ul>\n<li>There is a third party between your company and the end-user of the product because the third party can claim loss of income or reputation due to the recall.<\/li>\n<li>Also, the company manufactures a component or finished product, sold under a third party\u2019s name.<\/li>\n<li>Third-party coverage is not needed when you sell products under your label.<\/li>\n<\/ul>\n<h3>Summary Table: Underwriting Framework and Operational Parameters of Product Recall Insurance<\/h3>\n<table data-path-to-node=\"1\">\n<thead>\n<tr>\n<td><strong>Insurance Provision \/ Layer<\/strong><\/td>\n<td><strong>Technical Operational Trigger<\/strong><\/td>\n<td><strong>Covered Asset &amp; Liability Lines<\/strong><\/td>\n<td><strong>Contractual Exclusions &amp; Boundaries<\/strong><\/td>\n<td><strong>Strategic Risk Mitigation Focus<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"1,1,0,0\"><b data-path-to-node=\"1,1,0,0\" data-index-in-node=\"0\">First-Party Recall Coverage (Direct Expenses)<\/b><\/span><\/td>\n<td>Threat of bodily injury or property damage prompting market withdrawal.<\/td>\n<td><span data-path-to-node=\"1,1,2,0\">Customer notifications, shipping, warehouse storage, extra personnel, and disposal.<\/span><\/td>\n<td>Defective items that simply do not work or fail to meet baseline utility.<\/td>\n<td><span data-path-to-node=\"1,1,4,0\">Prevents immediate cash flow depletion during logistics crises.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"1,2,0,0\"><b data-path-to-node=\"1,2,0,0\" data-index-in-node=\"0\">Third-Party Recall Coverage<\/b><\/span><\/td>\n<td><span data-path-to-node=\"1,2,1,0\">Downstream client recalls triggered by an insured component or finished item.<\/span><\/td>\n<td><span data-path-to-node=\"1,2,2,0\">Client&#8217;s business interruption, repair\/replacement, and reputation rehabilitation.<\/span><\/td>\n<td>Not required or active when items are sold exclusively under your own label.<\/td>\n<td><span data-path-to-node=\"1,2,4,0\">Protects B2B relationships and insulates against downstream distributor lawsuits.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"1,3,0,0\"><b data-path-to-node=\"1,3,0,0\" data-index-in-node=\"0\">Impaired Property Endorsement<\/b><\/span><\/td>\n<td>Component potentially makes a third party\u2019s product less useful or unusable.<\/td>\n<td><span data-path-to-node=\"1,3,2,0\">Expenses to repair, restore, adjust, or remove the insured component.<\/span><\/td>\n<td><span data-path-to-node=\"1,3,3,0\">Excludes property that cannot be restored to use by fixing the insured part.<\/span><\/td>\n<td><span data-path-to-node=\"1,3,4,0\">Closes the coverage gap when an assembly line stalls due to a faulty input component.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"1,4,0,0\"><b data-path-to-node=\"1,4,0,0\" data-index-in-node=\"0\">Cost to Refund, Repair, or Replace<\/b><\/span><\/td>\n<td><span data-path-to-node=\"1,4,1,0\">Activation of an eligible first-party recall protocol.<\/span><\/td>\n<td><span data-path-to-node=\"1,4,2,0\">Outlays required to replace or refund the affected batch of goods.<\/span><\/td>\n<td><span data-path-to-node=\"1,4,3,0\">Limited to the physical cost of the goods; excludes broad market share loss.<\/span><\/td>\n<td><span data-path-to-node=\"1,4,4,0\">Stabilizes the manufacturer\u2019s inventory cost base during massive replacements.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"1,5,0,0\"><b data-path-to-node=\"1,5,0,0\" data-index-in-node=\"0\">Worldwide Coverage Territory<\/b><\/span><\/td>\n<td><span data-path-to-node=\"1,5,1,0\">Global recall actions initiated across multi-country markets.<\/span><\/td>\n<td><span data-path-to-node=\"1,5,2,0\">Cross-border logistics, overseas storage, and international notifications.<\/span><\/td>\n<td>Regions where coverage is strictly prohibited by local laws or regulations.<\/td>\n<td><span data-path-to-node=\"1,5,4,0\">Protects global supply chains and ensures regulatory compliance worldwide.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4>Optional add-ons available in the product recall liability policy are &#8211;<\/h4>\n<p>1. Impaired Property Endorsement &#8211; This coverage endorsement responds if a third party\u2019s product cannot be used or is less useful because it uses insured components or ingredients and can be restored by replacement, repair, adjustment, or removal of the insured\u2019s component or ingredient. The trigger for the impaired property is that your ingredient or component has potentially made another product less useful.<\/p>\n<p>2. Cost To Refund, Repair, or Replace Endorsement &#8211; This coverage amends first-party coverage to include the costs to refund, repair, or replace the insured\u2019s<\/p>\n<p>3. Worldwide Coverage Territory &#8211; This endorsement expands coverage to all parts of the world. So, with the exception of regions in which this policy might be prohibited by local laws, statutes, or regulations.<\/p>\n<h3 data-path-to-node=\"6\">Frequently Asked Questions (FAQs)<\/h3>\n<h4 id=\"p-rc_ba40ecbcf8cc4516-99\" data-path-to-node=\"7\"><b data-path-to-node=\"7\" data-index-in-node=\"0\">1. What is product recall insurance and how does it differ from product liability insurance?<\/b><\/h4>\n<p id=\"p-rc_ba40ecbcf8cc4516-99\" data-path-to-node=\"7\"><b data-path-to-node=\"7\" data-index-in-node=\"93\"><span class=\"citation-269\"><strong>A)<\/strong><\/span><\/b><span class=\"citation-269\">Product recall insurance<\/span><span class=\"citation-269\"> is a highly specialized commercial line, typically added as an endorsement to a <\/span><span class=\"citation-269\">product liability insurance policy<\/span><span class=\"citation-269 citation-end-269\">.<\/span>\u00a0<span class=\"citation-268\">While product liability insurance covers third-party claims <\/span><i data-path-to-node=\"7\" data-index-in-node=\"294\"><span class=\"citation-268\">after<\/span><\/i><span class=\"citation-268 citation-end-268\"> a defective product has already caused physical harm or property damage, recall insurance focuses on prevention.<\/span> <span class=\"citation-267\">It reimburses the costs of removing dangerous goods from the market <\/span><i data-path-to-node=\"7\" data-index-in-node=\"481\"><span class=\"citation-267\">before<\/span><\/i><span class=\"citation-267 citation-end-267\"> they can cause widespread injuries.<\/span><\/p>\n<h4 id=\"p-rc_ba40ecbcf8cc4516-100\" data-path-to-node=\"8\"><b data-path-to-node=\"8\" data-index-in-node=\"0\">2. What exact event triggers a claim under a product recall insurance policy?<\/b><\/h4>\n<p id=\"p-rc_ba40ecbcf8cc4516-100\" data-path-to-node=\"8\"><strong>A)<\/strong> To activate coverage, the affected batch of goods must meet a specific safety threshold. <span class=\"citation-266\">The explicit trigger requires that the items pose an <\/span><span class=\"citation-266\">imminent threat of bodily injury or property damage<\/span><span class=\"citation-266 citation-end-266\">.<\/span> <span class=\"citation-265 citation-end-265\">The policy will not respond to cosmetic flaws, slow performance, or products that simply do not work.<\/span> <span class=\"citation-264\">As long as this safety threat is present, the policy covers both <\/span><span class=\"citation-264\">voluntary recalls<\/span><span class=\"citation-264\"> and <\/span><span class=\"citation-264\">involuntary recalls<\/span><span class=\"citation-264 citation-end-264\"> ordered by government regulators.<\/span><\/p>\n<h4 data-path-to-node=\"9\"><b data-path-to-node=\"9\" data-index-in-node=\"0\">3. What direct, first-party expenses are covered during a product recall?<\/b><\/h4>\n<p data-path-to-node=\"9\"><strong>A)<\/strong> First-party expenses cover the immediate out-of-pocket costs a manufacturer incurs to pull products from store shelves. A standard policy covers:<\/p>\n<ul data-path-to-node=\"10\">\n<li>\n<p id=\"p-rc_ba40ecbcf8cc4516-101\" data-path-to-node=\"10,0,0\"><span class=\"citation-263\">The cost of <\/span><span class=\"citation-263\">notifying customers<\/span><span class=\"citation-263 citation-end-263\"> and distributors about the hazard.<\/span><\/p>\n<\/li>\n<li>\n<p id=\"p-rc_ba40ecbcf8cc4516-102\" data-path-to-node=\"10,1,0\"><span class=\"citation-262\">Reverse logistics and <\/span><span class=\"citation-262\">shipping costs<\/span><span class=\"citation-262 citation-end-262\"> to return the items to the factory.<\/span><\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"10,2,0\">Warehouse and storage expenses needed to quarantine the contaminated or defective goods.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"10,3,0\">The operational cost to dispose of products safely according to environmental rules.<\/p>\n<\/li>\n<li>\n<p id=\"p-rc_ba40ecbcf8cc4516-103\" data-path-to-node=\"10,4,0\"><span class=\"citation-261\">Waged overhead for <\/span><span class=\"citation-261\">extra personnel required to conduct the recall<\/span><span class=\"citation-261 citation-end-261\"> smoothly.<\/span><\/p>\n<\/li>\n<\/ul>\n<h4 id=\"p-rc_ba40ecbcf8cc4516-104\" data-path-to-node=\"11\"><b data-path-to-node=\"11\" data-index-in-node=\"0\">4. When does a manufacturer need to purchase third-party product recall coverage?<\/b><\/h4>\n<p id=\"p-rc_ba40ecbcf8cc4516-104\" data-path-to-node=\"11\"><span class=\"citation-260 citation-end-260\"><strong>A)<\/strong> A company must consider third-party coverage if it does not sell directly to the final consumer.<\/span> <span class=\"citation-259\">This is essential when <\/span><span class=\"citation-259\">there is a third party between your company and the end-user<\/span><span class=\"citation-259\">, or when your company <\/span><span class=\"citation-259\">manufactures a component or finished product sold under a third party&#8217;s name<\/span><span class=\"citation-259 citation-end-259\">.<\/span> <span class=\"citation-258\">If your component forces a major brand to recall their entire product line, this coverage handles their <\/span><span class=\"citation-258\">lost income, replacement costs, and the expenses to rehabilitate their brand reputation<\/span><span class=\"citation-258 citation-end-258\">.<\/span><\/p>\n<h4 id=\"p-rc_ba40ecbcf8cc4516-105\" data-path-to-node=\"12\"><b data-path-to-node=\"12\" data-index-in-node=\"0\">5. How does the Impaired Property Endorsement protect component part manufacturers?<\/b><\/h4>\n<p id=\"p-rc_ba40ecbcf8cc4516-105\" data-path-to-node=\"12\"><strong>A)<\/strong> The Impaired Property Endorsement is designed for businesses that supply ingredients or components used in larger assemblies. <span class=\"citation-257\">Unlike standard policies that require physical destruction to trigger a claim, this endorsement responds if a <\/span><span class=\"citation-257\">third party&#8217;s product cannot be used or is less useful because it incorporates your component<\/span><span class=\"citation-257 citation-end-257\">.<\/span> <span class=\"citation-256 citation-end-256\">As long as the final product can be restored to full utility by repairing or replacing your specific component, the policy covers the associated costs.<\/span><\/p>\n<h4 id=\"p-rc_ba40ecbcf8cc4516-106\" data-path-to-node=\"13\"><b data-path-to-node=\"13\" data-index-in-node=\"0\">6. What are the benefits of adding a Worldwide Coverage Territory endorsement?<\/b><\/h4>\n<p id=\"p-rc_ba40ecbcf8cc4516-106\" data-path-to-node=\"13\"><strong>A)<\/strong> Due to complex global supply chains, a defect discovered in one country can quickly impact markets across the globe. <span class=\"citation-255\">A <\/span><span class=\"citation-255\">Worldwide Coverage Territory endorsement<\/span><span class=\"citation-255 citation-end-255\"> expands the policy&#8217;s geographical limits, ensuring the manufacturer is protected regardless of where the recall logistics occur.<\/span> <span class=\"citation-254\">The only exclusions are regions where providing such insurance coverage is strictly <\/span><span class=\"citation-254\">prohibited by local laws, statutes, or regulations<\/span><span class=\"citation-254 citation-end-254\">.<\/span><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is product recall insurance and how does it differ from product liability insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Product recall insurance is a highly specialized commercial line, typically added as an endorsement to a product liability insurance policy. While product liability insurance covers third-party claims after a defective product has already caused physical harm or property damage, recall insurance focuses on prevention. It reimburses the costs of removing dangerous goods from the market before they can cause widespread injuries.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What exact event triggers a claim under a product recall insurance policy?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"To activate coverage, the affected batch of goods must meet a specific safety threshold. The explicit trigger requires that the items pose an imminent threat of bodily injury or property damage. The policy will not respond to cosmetic flaws, slow performance, or products that simply do not work. As long as this safety threat is present, the policy covers both voluntary recalls and involuntary recalls ordered by government regulators.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What direct, first-party expenses are covered during a product recall?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"First-party expenses cover the immediate out-of-pocket costs a manufacturer incurs to pull products from store shelves. A standard policy covers:\\n\\nThe cost of notifying customers and distributors about the hazard.\\n\\nReverse logistics and shipping costs to return the items to the factory.\\n\\nWarehouse and storage expenses needed to quarantine the contaminated or defective goods.\\n\\nThe operational cost to dispose of products safely according to environmental rules.\\n\\nWaged overhead for extra personnel required to conduct the recall smoothly.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"When does a manufacturer need to purchase third-party product recall coverage?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A company must consider third-party coverage if it does not sell directly to the final consumer. This is essential when there is a third party between your company and the end-user, or when your company manufactures a component or finished product sold under a third party's name. If your component forces a major brand to recall their entire product line, this coverage handles their lost income, replacement costs, and the expenses to rehabilitate their brand reputation.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How does the Impaired Property Endorsement protect component part manufacturers?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The Impaired Property Endorsement is designed for businesses that supply ingredients or components used in larger assemblies. Unlike standard policies that require physical destruction to trigger a claim, this endorsement responds if a third party's product cannot be used or is less useful because it incorporates your component. As long as the final product can be restored to full utility by repairing or replacing your specific component, the policy covers the associated costs.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What are the benefits of adding a Worldwide Coverage Territory endorsement?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Due to complex global supply chains, a defect discovered in one country can quickly impact markets across the globe. A Worldwide Coverage Territory endorsement expands the policy's geographical limits, ensuring the manufacturer is protected regardless of where the recall logistics occur. The only exclusions are regions where providing such insurance coverage is strictly prohibited by local laws, statutes, or regulations.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n<h4><b>About The Author<\/b><\/h4>\n<p><strong>Rajesh Mehta<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">MBA Finance<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rajesh has become a distinguished expert in liability insurance with over 8 years of extensive experience in the insurance industry. As a dedicated writer for SecureNow, he crafts insightful and informative blogs and articles that help businesses and individuals understand the nuances of liability insurance, from policy details to industry trends. Throughout his career, Rajesh has developed a profound knowledge of various types of liability coverage, including professional, general, and product liability insurance. Their expertise enables them to break down complex topics into accessible content, making it easier for readers to make informed decisions about their insurance needs.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Product recall is a request from the manufacturer to return a product after the discovery of safety issues. Or product defects that might endanger the consumer or put the maker\/seller at risk of legal action. The product recall insurance is provided as an add-on to the product liability insurance policy. Key Takeaways The Statutory Safety [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"no","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1211,5],"tags":[204,218,1149],"class_list":["post-18568","post","type-post","status-publish","format-standard","hentry","category-product-features-liability-insurance","category-liability-insurance","tag-liability-insurance","tag-product-liability-insurance","tag-product-recall-policy"],"acf":[],"modified_by":"SecureNow","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/18568","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/comments?post=18568"}],"version-history":[{"count":15,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/18568\/revisions"}],"predecessor-version":[{"id":36762,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/18568\/revisions\/36762"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=18568"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=18568"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=18568"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}