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 a Ryan Specialty Group associate will contact you, or call 800-366-5810.

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All Risks Overview

All the information you need to make All Risks your wholesaler of choice.

Ryan Specialty Group and All Risks Finalize Merger

Ryan Specialty Group, LLC (RSG) and All Risks are pleased to announce the completion of the transaction to merge the two firms into Ryan Specialty Group. RSG is an insurance specialist providing services in wholesale brokerage and delegated underwriting authority in the form of binding authorities, programs and managing general underwriting companies. The combination of All Risks and RSG, with roughly 3,300 employees and 70+ offices across the United States, the United Kingdom and Europe, is projected to handle nearly $15 Billion in premium during 2020. Read more.