Unique insurance product is available for manufacturers / distributors of non-food products (toys, electronics, packages, etc.) to help them manage extra expenses that might arise in case of product recall. Insurance covers wide range of costs incurred to realize potential recall such as announcement costs, transportation costs but even business interuption costs or rehabilitation expenses. Insurance addresses all of the most frequent causes of potential product defect that creates dangerous conditions for use and thus necessity for recall; with optional extension to cover product extortion.