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
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
Lindy Gardner
VP, Underwriting – HNL
[email protected]
206.802.3043
Erlisa King
Team Leader, Underwriting
[email protected]
312.705.1130
Katie Wahl
Senior Underwriter
[email protected]
512.652.5610
Lindy Weitz
Senior Underwriter
[email protected]
206.802.3049
Ambra Hendrix
Senior Underwriter
[email protected]
312.705.7738
Tammy Brock
Senior Underwriter
[email protected]
512.634.4820
Health, Nutrition, and Lifestyle Accounts Recently Written
|
Risk Description |
Limits |
Premium |
| Retailer and Distributor of Functional Mushroom Beverage Products | $1M/2M/2M with $4M Excess | $43,490 + $23,335 for $4M Excess |
| Manufacturer & Retailer of Dietary Supplements | $1M/2M/2M with $4M Excess | $45,600 + $29,050 for $4M Excess |
| Wholesaler of Protein Shake |
$2M/4M/4M |
$16,500 |
| Distributor & Retailer of Skin and Hair Care Products | $1M/2M/2M with $4M Excess | $40,000 + $26,750 for $4M Excess |
| Retailer and Distributor of Dietary Supplements and Sports Nutrition Products | $1M/2M/2M | $15,214 |
| Manufacturing and Distribution of Skincare Products | $1M/2M/2M with $1M Excess | $9,923 + $3,500 for $1M Excess |
| Importer and Distributor of Raw Ingredients for Flavorings and Fragrances | $1M/2M/2M with $4M Excess | $199,237 + $134,094 for $4M Excess |
| Contract Packager/Co-Packing Services for CBD Beverage Companies | $1M/2M/2M | $10,500 |
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