Liability, Excess & Bodily injury coverage

Dietary Supplement Insurance, Vitamins, Cosmetics and more…

Nutraceuticals describe products derived from food sources that include extra health benefits, in addition to the nutritional value already found in foods. They are used to prevent illnesses, control existing symptoms and promote general health and well-being. The developers and manufacturers of nutraceuticals face numerous liability risks, including product contamination, bodily injury due to adverse reactions and lawsuits from dissatisfied customers. All Risks understands the competitive nutraceutical and dietary supplement insurance market. We work with A.M. Best “A-“ or better-rated carriers to deliver comprehensive coverage for your clients.


  • Primary limits up to $5,000,000
  • Excess limits available
  • Custom coverage
  • Low deductibles
  • Limited ingredient restriction list

States Available

  • Nationwide
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  • Commercial General Liability
  • Worldwide Product Liability, Claims-Made
  • Excess
  • Products Bodily Injury arising from mold and silica

Tailored Products

  • Serious Adverse Event (SAE) Schedule Endorsement
    • Bridges the definition gap between the FDA definition of an SAE and the policy definition of occurrence
    • Bridges the reporting gap between mandatory FDA reporting and policy occurrence reporting condition
  • Network/Data Security Coverage
    • Network Security/Unauthorized Access
    • Third-Party Privacy – Data Breach Liability
    • First-Party Privacy Breach Expense “Pay on Behalf of” basis
  • Government-Mandated Recall Coverage
  • Additional Insured Coverage for vendors, sponsors, landlords or lessors
  • Worldwide Coverage Endorsement
  • Hired and Non-Owned Auto Liability
  • Product Recall Expense Coverage
  • Additional Claim Expense limit provided Defense Outside
    • Up to a $1M aggregate cap
  • Employee Benefits Liability
  • Waiver of Subrogation
  • Primary and Non-Contributory Endorsement

Health, nutrition and lifestyle businesses, including manufacturers and distributors of:

  • Nutritional and dietary supplements
  • Vitamins
  • Herbal products
  • Cosmetics
  • Energy drinks and bars

Disclaimer: All classes and lines of coverage may not be available in all states. For current availability, please contact an All Risks specialist.

  • ACORD form
  • Supplemental applications will vary by risk
  • 5 years loss runs
  • Product information/website

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Complete the short form and an All Risks associate will contact you, or call 800-366-5810.

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Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.


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