Agriculture

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First product recall

A CPSC recall names the company as manufacturer, importer or distributor.

Details
Standard cover
Usually excluded
Needs
CPSC Recalls
Exposure
Product liability pays for the harm; it does not pay to pull the product off shelves. Recall expense is a separate purchase almost nobody has made.
Window
At publication, after the recall is already agreed
Misfires
A distributor named on a recall may have full indemnity from the manufacturer.

Enforcement action opens

ECHO shows a formal enforcement action or a significant violation.

Details
Standard cover
Probable gap
Needs
EPA ECHO
Exposure
Fines are uninsurable, but the remediation behind them is what tests whether pollution cover exists at all.
Window
Posts weeks after the inspection
Misfires
Violations get resolved administratively. Read the current status.

Registers as a food facility

An FDA food facility registration appears for an operation that only farmed before it.

Details
Standard cover
Usually excluded
Needs
FDA Food Facility Registration
Exposure
Growing is a farm policy; processing is products liability with a recall tail. The registration is the moment one becomes the other.
Window
Registration precedes the first processed lot
Misfires
Farms that only pack their own produce are exempt, so a registration means real processing.

Certifies organic

An operation appears in the Organic Integrity database with a new certification.

Details
Standard cover
Probable gap
Needs
USDA Organic Integrity Database
Exposure
Certified acreage is worth multiples of conventional, and crop values on the policy were set for the conventional number.
Window
Certification takes three years of transition, so this is well telegraphed
Misfires
Certification can cover part of an operation. Read the scope before assuming the whole farm.