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.
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
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
Risk Description |
Limits |
Premium |
| 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!