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* Our policy offers loss coverage for: Product recall costs – transportation of returns and storage expenses. Additional media communications including advertising and emergency phone lines. Testing and examining the product. Repair or disposal of the product. Return of the repaired or replaced product. Plus any additional employee costs and other necessary expenses. Third party recall costs – replacement costs that have been incurred by a customer of the insured in the event that the product becomes part of a product manufactured, distributed or handled by the customer. Replacement costs – cost of restoring the product to merchantable quality or replacing the recalled product that has been destroyed. Business interruption – losses resulting as a consequence of the product recall calculated from the loss of gross profit and increase in cost of working. Rehabilitation costs – expenses incurred to re-establish the product to the reasonably projected level of sales or market share anticipated prior to the recall. Extortion costs –Ransom monies paid as a direct result of product extortion discovered during policy period. - Costs arising from the loss of ransom monies sustained during their transit or delivery and whilst in the custody of a person authorized by the insured. - Extortion expenses as a direct result of product extortion. - Travel and accommodation costs incurred while attempting to negotiate the mitigation of product extortion. Consultant Advisory costs – reasonable and necessary expenses incurred following the appointment of consultants or advisors to assist in the mitigation of the loss. Defence costs – Fees, costs and expenses incurred to mitigate a loss or potential loss for litigation, arbitration, mediation, adjudication or any other process of dispute resolution in connection with the incident. * Although it is essential for organizations to invest in product safety through good supplier management and rigorous quality assurance, it is equally i