XL Insurance, the insurance operations of XL Capital, has launched coverage enhancement for adulterated ingredient product recalls.

The new product enhancement covers recall of an insured’s product caused by an ingredient that is subject to a recall notice even if there is no evidence that insured’s product itself would cause injury.

According to XL Insurance, for coverage to be triggered product contamination policies require insured to prove that their own product is contaminated and would cause injury.

The company said that if a company is caught up in a nationwide recall of products caused by an adulterated ingredient may find its own products are not deemed contaminated under coverage. This extension offered to policyholders in US and Canada extends standard coverage to include recall of insured’s products caused by an adulterated ingredient.

The coverage in US and Canada will be provided via Lloyd’s syndicate, managed by XL London market.

Ed Mitchell, global product recall manager of XL Insurance, said: “Many companies found they were either uninsured or that their policies didn’t apply when they recalled their product with contaminated ingredients. Our solution has been designed specifically to address the actual nature of this type of loss and plugs an important gap in the coverage provided by traditional policies.”