Admiral provides coverage to the Dietary Supplements industry while navigating the challenging regulatory environment of an industry exceeding $40 billion dollars in US retail sales.
What’s at Risk
The health, nutrition, and lifestyle industry is a competitive one. Its lucrative growth and low barriers to entry make it a competitive place for even the most unique of companies. With the fierce competition and ever-stricter regulations, one claim or incident without insurance could be permanently detrimental to a company’s business and operations.
Our Solution
Admiral’s Health, Nutrition, and Lifestyle Underwriting team develops some of the most comprehensive coverages for companies in the health, nutrition, and lifestyle industry. Our dedicated team is a national group of experienced professionals whose memberships in the National Products Association and the American Herbal Products Association keep them abreast of the industry news and trends.
Health, Nutrition, and Lifestyle Coverage
Learn more about Admiral’s Health, Nutrition, and Lifestyle coverage, including coverage capabilities and sample classes.
Coverage Capabilities
- Policy form ISO CGL claims made products liability coverage
- Worldwide Coverage
- Maximum limits of $10M/$10M/$10M
- Phase I & Phase II Clinical Trials – $100K/$300K Sublimit [Max Limit $1M]
- Defense outside & capped
- Products bodily injury coverage arising out of mold & silica
- Limited ingredient restriction list
- Additional insured coverage for vendors & tradeshow sponsors
- Serious Adverse Events (SAE) schedule endorsement option (Bridges reporting and definition gaps)
- Dietary Supplement Manufacturers Errors and Omissions Liability
- Extended claims reporting period: up to 5 years
- Government mandated recall coverage
- Prop 65 coverage
- Primary/non-contributory coverage
- Cyber/data breach coverage
- Additional insured coverage for managers or lessors of premises
- Additional insured coverage for lessor of leased equipment
- Waiver of Subrogation for vendors
- Policy form ISO CGL claims made products liability coverage
- True worldwide coverage
- Maximum limits of $10M/$10M/$10M
- Phase I & Phase II Clinical Trials – $100K/$300K Sublimit [Max Limit $1M]
- Defense outside & capped
- Products bodily injury coverage arising out of mold & silica
- Limited ingredient restriction list
- Additional insured coverage for vendors & tradeshow sponsors
- Serious Adverse Events (SAE) schedule endorsement option (Bridges reporting and definition gaps)
- Dietary Supplement Manufacturers Errors and Omissions Liability
- Extended claims reporting period: up to 5 years
- Government mandated recall coverage
- Prop 65 coverage
- Primary/non-contributory coverage
- Cyber/data breach coverage
- Additional insured coverage for managers or lessors of premises
- Additional insured coverage for lessor of leased equipment
- Waiver of Subrogation for vendors
Admiral Health, Nutrition, and Lifestyle Hit List
Get an edge in the market! Check out our Health, Nutrition, and Lifestyle Hit List to see our recently written accounts!
Sample Classes
- Animal/Vet products
- Botanicals/Extracts
- Bulk ingredient supplier
- Class I Medical Devices
- Class II Medical Devices
- Cosmetics/makeup
- Delta THC Beverages
- Energy drinks
- Essential Oils
- Fillers
- Functional mushrooms
- Hemp/Cannabinoids (CBD, CBC, CBN, CBG)
- Hemp/DeltaTHC products
- Herbal Tinctures/Teas & Products
- Microcurrent Devices
- Lotions
- Minerals
- Prebiotics & Probiotics
- Protein bars
- Red/Infrared Devices & LED Facemasks
- Sports nutrition: Pre/Post-Workout, weight loss, muscle building
- Super foods
- Vitamins/Supplements
Sample Classes
- Animal/Vet products
- Binding ingredients
- Botanicals/Extracts
- Bulk ingredient supplier
- Class I Medical Devices
- Class II Medical Devices
- Cosmetics/makeup
- Delta THC Beverages
- Energy drinks
- Essential Oils
- Fillers
- Functional mushrooms
- Hemp/Cannabinoids (CBD, CBC, CBN, CBG)
- Hemp/DeltaTHC products
- Herbal Tinctures/Teas & Products
- Microcurrent Devices
- Lotions
- Minerals
- Prebiotics & Probiotics
- Protein bars
- Red/Infrared Devices & LED Facemasks
- Sports nutrition: Pre/Post-Workout, weight loss, muscle building
- Super foods
- Vitamins/Supplements
Learn more about the Health, Nutrition, and Lifestyle team
Download the Health, Nutrition, and Lifestyle Brochure
Frequently Asked Questions
Are imported ingredients or oversees manufacturing a concern for underwriting?
We can consider products containing imported ingredients or manufactured overseas. However, we generally expect our insureds to maintain meaningful quality control procedures within the United States and to take possession of the product before distribution. Strong supplier oversight, testing protocols, and documented quality assurance processes are viewed favorably.
Are there exclusions for certain ingredients or product types?
Certain products and ingredients may fall outside our underwriting appetite. As a general matter, products containing banned substances, including anabolic steroids, are not eligible for coverage. Additional ingredient restrictions may apply based on evolving regulatory and claims trends.
Does Admiral write coverage for supplement manufacturers, distributors, or white-label brands?
Yes. We can provide solutions for a broad range of organizations within the health, nutrition, lifestyle, and wellness industry, including manufacturers, contract manufacturers, distributors, wholesalers, importers, and private-label or white-label brands.
Are functional mushrooms considered within appetite, especially for cognitive or immune claims?
Yes. Functional mushroom products intended to support wellness, cognitive function, or immune health are generally within appetite, subject to our normal underwriting review of ingredients, marketing materials, and product claims.
Are there restrictions on coverage for CBD, hemp-derived products, or adaptogens?
Hemp-derived products and CBD exposures may be considered when they are legal and compliant with applicable federal and state regulations, including Farm Bill requirements. Eligibility will depend on the specific product, ingredient profile, and intended use.
Is coverage available for products making health or performance claims?
We can provide coverage for products making health, wellness, and performance-related claims. However, we carefully evaluate marketing materials and advertising practices. Unsupported, exaggerated, or comparative claims may impact underwriting eligibility.
Can Admiral cover companies selling through e-commerce platforms like Amazon or Shopify?
Yes. We regularly insure companies that distribute products through e-commerce channels, including Amazon, Shopify, Walmart Marketplace, direct-to-consumer websites, and other online retail platforms.
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