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
  • Phase I & Phase II Clinical Trials – $100K/$300K Sublimit [Max Limit $1M]
  • 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, Hemp/DeltaTHC)
  • Class I Medical Devices
  • Class II Medical Devices
  • 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

* HNL is not currently a market for Kratom, Psychedelic Mushrooms, or Pharmaceuticals

Contact the HNL Team Today!

Send your submissions to: [email protected]

Lindy Gardner

VP, Underwriting – HNL
[email protected]

Erlisa King

Team Leader, Underwriting
[email protected]

Katie Wahl

Senior Underwriter
[email protected]

Lindy Weitz

Senior Underwriter
[email protected]

Christine Gullikson

Senior Underwriter
[email protected]

Ambra Hendrix

Senior Underwriter
[email protected]

Tammy Brock

Senior Underwriter
[email protected]

Health, Nutrition, and Lifestyle Accounts Recently Written

Download the Admiral HNL Hit List


Risk Description



Cosmetic Manufacturer & Distributor $1M/2M/2M with $9M Excess $90,000 + $100,000 for $9M Excess
Organic Cosmetic Wholesaler $1M/2M/2M with $5M Excess $66,000 + $44,512 for $5M Excess

Large Manufacturer of Dietary Supplements

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

$102,245 + $60,989 for $4M Excess

Wholesaler & E-Commerce Retailer of Dietary Supplements $3M/5M/5M $47,500
Retailer of Plant Based Functional Beverage Company $1M/2M/2M $54,950
E-Commerce Retailer of Women’s Health Supplements $1M/2M/2M $31,000
Manufacturer, Distributor & Retailer of Sports Nutrition Products $1M/2M/2M $45,750
Distributor of Medical Products $3M/3M/3M $37,500

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.