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]

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]

Ambra Hendrix

[email protected]

Health, Nutrition, and Lifestyle Accounts Recently Written

Download the Admiral HNL Hit List


Risk Description



Manufacturer and Distributor of Dietary Supplements and Skincare Products



Distributor of CBD Infused Coffee Beverages



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

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.