Eve's Organic Applesauce makes a family sick, and Eve has to recall thousands of boxes of product. Her base policy does not cover product liability, but a(n) ______ could help pay for Eve's losses associated with the recall?

Self-Insured Retention (SIR) refers to a portion of a loss that the insured must pay before the insurance coverage kicks in. While SIR can reduce premium costs, it does not provide additional coverage for liabilities like product recalls and would require Eve to absorb initial losses, making it an unsuitable choice for her situation.

An Umbrella policy extends coverage beyond the limits of underlying insurance but typically does not cover all types of losses, especially those specifically excluded in the base policy. Since Eve’s base policy does not cover product liability, an Umbrella policy would not effectively address her losses related to the recall.

A Follow Form excess liability policy provides coverage that mirrors the terms of the underlying policies it supplements. However, since Eve’s base policy explicitly excludes product liability, this policy would not provide any additional coverage for her recall-related losses.