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The full supplement insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
Trusted by 60+ carrier partners
Required for most supplement operations
Standard GL policies for supplement companies often include an ingredients or additives exclusion that eliminates coverage for the claims these brands face most often. The policy is reviewed line by line to confirm that ingestible product claims are covered, not excluded by endorsement.
Read the General Liability guideFor example: a customer reports liver damage after taking your turmeric extract, and product liability pays the legal defense. This line responds to bodily injury claims from consumers who allege harm from your supplement, whether the claim involves an adverse reaction, an allergen not disclosed on the label, or a contaminated batch. Carriers restrict this coverage most aggressively for ingestible products.
Read the Product Liability guideA single serious adverse reaction claim can exceed primary GL limits. This layer extends above general liability, product liability, and employers liability. Supplement brands selling through multiple channels and carrying regulatory exposure need limits above the primary layer.
Read the Umbrella Insurance guideCommon for DTC and marketplace brands
GL excludes recall costs. When a batch tests positive for heavy metals or undeclared allergens, this policy pays the notification, shipping, warehousing, destruction, and communications expenses. Standalone recall policies offer limits from several hundred thousand to several million, covering both first-party costs and third-party liability.
Read the Product Recall guideDTC supplement brands collect payment card data and health-related purchase history through Shopify, Amazon, and direct channels. Customer PII flows through each of these systems. A cyber sublimit on your GL isn't standalone coverage. A standalone policy covers breach notification, forensic investigation, regulatory fines, and business interruption.
Read the Cyber Liability guideYour warehouse, inventory, raw materials, and equipment are covered against fire, theft, and storm damage. Supplement inventory has a short shelf life, and a covered loss can destroy product that cannot be replaced before expiration dates pass.
Read the Commercial Property guideDepends on your specific operation
Required once you have employees handling fulfillment, warehouse operations, or manufacturing. Premium is rated on payroll under the applicable NCCI class code for your operation type, whether that is warehouse distribution, retail, or manufacturing.
Read the Workers Compensation guideCovers liability when employees use personal vehicles for business errands, deliveries to local retailers, or trade show logistics. Personal auto policies exclude business use, leaving the company exposed for any accident during a work-related trip.
Read the Hired & Non-Owned Auto guideEach coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a free coverage review and risk plan. If your current program is solid, we'll tell you. Either way, you walk away with a free expert opinion.
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