Nutraceutical Insurance for Dietary Supplement & Wellness Brands

The nutraceutical industry sits at the intersection of food, pharmaceuticals, and consumer wellness—making it one of the most scrutinized and high-risk product categories from an insurance standpoint.

Standard business insurance policies often exclude or severely limit coverage for dietary supplements, vitamins, functional foods, and wellness products. When claims arise, those exclusions can leave nutraceutical companies dangerously exposed.

Nutraceutical Product Liability Insurance

Essential for any company that manufactures, formulates, or sells dietary supplements.

Covers claims related to:

• • Bodily injury from ingestion

  • Adverse reactions

  • Alleged health impacts

  • Manufacturing defects

  • Improper labeling or instructions

This coverage is often required by retailers, distributors, and e-commerce platforms.

Nutraceutical General Liability Insurance

Protects against third-party claims involving:

• • Bodily injury

  • Property damage

  • Advertising injury

Required for:

• • Trade shows

  • Warehouses

  • Offices

  • Contract manufacturing relationships

Nutraceutical Product Recall Insurance

Provides financial protection if a product must be recalled due to:

• • Contamination

  • Ingredient issues

  • Labeling errors

  • Regulatory action

Covers recall expenses, lost income, and crisis management costs.

Nutraceutical Property Insurance

Protects physical assets including:

• • Inventory

  • Raw materials

  • Manufacturing equipment

  • Warehouses

  • Offices

Coverage can be structured for owned or third-party manufacturing environments.

Nutraceutical Workers’ Compensation Insurance

Required in most states for nutraceutical employers. Covers:

• • Employee injuries

  • Medical expenses

  • Lost wages

  • Employer liability

Placed with carriers familiar with manufacturing and fulfillment risks.

Nutraceutical Cyber Liability Insurance

Protects against:

• • Customer data breaches

  • E-commerce platform compromises

  • Subscription billing fraud

  • Ransomware attacks

Especially critical for direct-to-consumer nutraceutical brands.

Nutraceutical Umbrella & Excess Liability

Provides additional liability protection above primary policies—critical for brands with national distribution or high revenue.