Health, Nutrition, and Lifestyle

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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
  • Maximum limits of $5M/$5M/$5M primary limits or $1M/$2M/$2M primary limits with excess up to $10M
  • 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)
  • 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
  • Cannabinoids (CBD, CBC, CBN, CBG)
  • Class I Medical Devices – *NEW*
  • Class II Medical Devices – *NEW*
  • Cosmetics/makeup
  • Energy drinks
  • Enzymes
  • Essential Oils
  • Extracts
  • Fillers
  • Hemp products
  • Hemp/CBD farmers, growers, extractors, processors
  • Herbals
  • Lotions
  • Minerals
  • Probiotics
  • Product manufacturers, retailers, wholesalers
  • Protein bars
  • Scented candles
  • Skincare products
  • Sports nutrition: weight loss, muscle building
  • Super foods
  • Vitamins
  • Weight loss products

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 and Distributor of Dietary Supplements and Skincare Products

$1M/2M/2M

$70,000

Distributor of CBD Infused Coffee Beverages

$1M/2M/2M

$5,000

Retail Brand Distributor of
Immunity Supplements

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

$88,000 + 44,000 for Excess

Retail Brand Distributor of Energy Drinks & Supplements

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

$64,000 + 50,300 for Excess

Manufacturer, Importer & Wholesaler of all Natural Products and Remedies

$1M/2M/2M $280,440

Manufacturer and Online Retailer of Scalp/Hair Growth Supplement

$1M/2M/2M $32,400

Manufacturer & E-Commerce Retailer of Hemp Derived Pet Products

$1M/2M/2M $27,300

Distributor of Class 1 & Class 2 Medical Products

$1M/2M/2M $35,750

Download the Health, Nutrition, and Lifestyle Brochure



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