Health, nutrition and lifestyle industry is a competitive one. It’s 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.
Admiral provides coverage to the Dietary Supplements industry while navigating the challenging regulatory environment of an industry exceeding $40 billion dollars in U.S. retail sales.
What's at Risk
Our Solution
We offer a unique approach to covering professionals in the health, nutrition and lifestyle industry because we know they can’t afford not to be protected from risk. Our Health, Nutrition and Lifestyle (HNL) 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 that matter to our clients.
Health, Nutrition & Lifestyle Coverage Solutions
Coverage Capabilities
- Policy form ISO CGL claims made general liability coverage
- Truly worldwide coverage
- Up to $5M primary limits with additional excess limits available
- 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
- Extended claims reporting period: up to 5 years
- Government mandated recall coverage
- Prop 65 coverage
- Primary/non-contributory coverage
- Swing premium & audit waiver endorsement
- Cyber/data breach coverage
- Additional insured coverage for managers or lessors of premises
- Additional insured coverage for lessor of leased equipment
- Professional liability for product design, formulation & labeling
- Waiver of Subrogation for vendors
Sample Classes
- Animal/vet products
- Binding ingredients
- Botanicals
- Bulk ingredient supplier
- Cannabidiol (CBD)
- Cosmetics/makeup
- Energy drinks
- Enzymes
- Vitamins
- Weight loss products
- Essential Oils
- Extracts
- Fillers
- Food products
- Foods with additives
- Fruit juice
- Hemp products
- Herbals
- Lotions
- Minerals
- Probiotics
- Protein bars
- Scented candles
- Skincare products
- Sports nutrition
Lindy Gardner
VP, Underwriting – HNL
lgardner@admiralins.com
206.802.3043
Erlisa King
Senior Underwriter
eking@admiralins.com
312.705.1130
Andrea Dunn
Underwriter
andunn@admiralins.com
856.354.8909
Lindy Weitz
Underwriter
lweitz@admiralins.com
206.802.3049
Christine Gullikson
Associate Underwriter
cgullikson@admiralins.com
512.721.2439
Tony Petaccio CPCU, ARE
Underwriter
apetaccio@admiralins.com
856.505.8016
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