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

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]
206.802.3043

Erlisa King

Senior Underwriter
[email protected]
312.705.1130

Katie Wahl

Senior Underwriter
[email protected]
512.652.5610

Andrea Dunn

Senior Underwriter
[email protected]
856.354.8909

Lindy Weitz

Senior Underwriter
[email protected]
206.802.3049

Christine Gullikson

Underwriter
[email protected]
512.721.2439

Tony Petaccio

Underwriter
[email protected]
856.505.8016

Ambra Hendrix

Underwriter
[email protected]
312.705.7738

Health, Nutrition, and Lifestyle Accounts Recently Written

Download the Admiral HNL Hit List

 

Risk Description

Limits

Premium

Manufacturer of Homeopathic Remedies

$1M/2M/2M with $9M Excess

$199,500 GL + $160,000 for $9M Excess

Manufacturer of CBD Products

$1M/2M/2M with $4M Excess

$105,000 GL + $51,871 for $4M Excess

Flavorings Manufacturer

$1M/2M/2M with $5M Excess

$30,000 GL + $21,857 for $5M Excess

Hemp Cultivator

$1M/2M/2M $71,000

Nutritional Supplements for Pets

$1M/2M/$2M $5,000

Hemp-Derived Products Capsules/Tinctures/Topicals/Edibles

$1M/2M/2M $30,000

Sports and Fitness Products Retailer

$1M/2M/2M

$12,500

Essential Oils and Lotion Wholesaler

$1M/2M/2M $9,000

Download the Health, Nutrition, and Lifestyle Brochure



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The partnership you want, the advantage you need.