Health, Nutrition, and Lifestyle

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

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.

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.

View our recent HNL wins!

Health, Nutrition & Lifestyle Coverage Solutions

Coverage Capabilities

  • Policy form ISO CGL claims made general liability coverage
  • True 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
  • 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

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

Contact the HNL Team Today!

Send your submissions to: [email protected]

Lindy Gardner

VP, Underwriting – HNL
[email protected]

Erlisa King

Senior Underwriter
[email protected]

Katie Wahl

Senior Underwriter
[email protected]

Andrea Dunn

Senior Underwriter
[email protected]

Lindy Weitz

Senior Underwriter
[email protected]

Christine Gullikson

[email protected]

Tony Petaccio

[email protected]

Ambra Hendrix

[email protected]

Health, Nutrition, and Lifestyle Accounts Recently Written

Download the Admiral HNL Hit List

Risk Description



Hemp Derived Products Capsules/Tinctures/Topicals/Edibles $1M/2M/2M $30,000
Essential Oils and Lotion Wholesaler $1M/2M/2M $9,000
Flavorings Manufacturer $1M/2M/2M with $5M Excess $30,000 GL +$21,857 for $5M Excess
Sports and Fitness Products Retailer $1M/2M/2M $12,500
Nutritional Supplements for Pets $1M/2M/$2M $5,000
Saline Nasal Product $1M/2M/2M $10,000
Retailer of Energy Drinks $1M/2M/2M $18,000
Cultivation & Sales of Hemp $1M/2M/2M $5,000

Download the Health, Nutrition, and Lifestyle Brochure

If you would like the Health, Nutrition & Lifestyle Brochure customized with your information and logo, fill out the Personalized Brochure Request form today!

The partnership you want, the advantage you need.