Vitamins & Dietary Supplements Insurance

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What is Vitamin & Dietary Supplement Insurance?

Insurance Canopy’s vitamin and dietary supplement insurance combines general and product liability insurance to help protect your business from otherwise devastating claims. Whether you manufacture, import, wholesale, distribute, or retail nutraceutical products, we’ve got you covered. Our policies can help you get your products into the supply chain, e-commerce marketplace, and onto the shelves of stores across the nation. Start-ups and new ventures are welcomed.

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Apply online for a free vitamin insurance quote in just a matter of minutes. Within 72 hours, an experienced agent will be in contact with you.

Industry Approved

We have helped thousands of businesses get their supplements into stores like Walmart, Target, and more with supplement insurance.

Personalize Your Policy

Our agents can help you customize your dietary supplement insurance limits and add additional endorsements to your policy to meet your needs.

a woman takes an oral vitamin supplement.

What Type of Insurance Do You Need To Sell Supplements?

When selling supplements and vitamins, the best protection comes from having general liability and product liability insurance. This can help cover the cost of third-party claims for bodily injuries or property damage as a result of your business operations or use of your product. It also meets most dietary supplement insurance requirements many retailers and manufacturers require you to have.

For example, if someone slips in your store or a fire destroys part of a building you rent, general liability insurance can cover the medical bills and repair costs. If someone chokes on your supplement, or the packaging leaks and damages a table in their home, dietary supplement product liability insurance can cover legal fees and claim costs.

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What Types Of Products Need Vitamin Insurance?

If you plan on selling or producing a dietary or vitamin product, most stores and manufacturers require or recommend you have insurance. At Insurance Canopy, we protect most ingestible supplement, herbal, or vitamin-related products, such as:

Nutraceuticals
Vitamins
Compounded and Non-Compounded Herbs
Energy and Protein Supplements
Protein Supplements
Body Cleansers
Topical Creams

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Coverage Details

Limits of Liability
General Aggregate Limit The most your policy will pay for bodily injury and property damage claims occurring within the policy term that you become legally obligated to pay due to your business operations.	$2,000,000*
Products & Completed Operations Aggregate This is the maximum amount your policy will pay during the policy term for product liability claims and completed operations claims. Product Liability claims are the result of bodily harm or property damage as a result of your products Completed Operations claims are the result of bodily harm or property damage as a result of business operations conducted while away from your business’s premises—even after business operations have been completed	$2,000,000*
Personal & Advertising Injury The amount that your policy will pay for claims arising out of one or more of the following: False arrest, detention or imprisonment Malicious prosecution Wrongful eviction or wrongful entry Oral or written publications that slander or libels a person or organization Oral or written publication or material that violates a person's right of privacy The use of another's advertising idea in your advertisement	$1,000,000
Each Occurrence Limit The maximum amount paid per incident during the term of the policy.	$1,000,000*
Damage to Premises Rented to You Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.	$100,000
Deductible This is the amount we deduct from a claim before paying up to your policy limits.	$2,500

*Other limits available on underwriting approval.

Endorsements and Additional Coverage
Cyber Liability May provide protection from losses resulting from a data breach or the loss of electronically-stored confidential information from a cyber attack. This is an additional coverage you can add on to your account.	$100,000

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Questions About Vitamin And Dietary Supplement Insurance

According to the Oxford dictionary, nutraceuticals are vitamin, food, and supplement products that contain health-giving additives and have medicinal benefits. Nutraceuticals can be used to increase body function, slow the aging process, supplement daily diet and nutrition, prevent chronic diseases, and improve overall health.

Types of nutraceuticals can range anywhere from a multivitamin to a genetically engineered “designer” food. For example:

While nutraceuticals are typically a blend of natural and pharmaceutical products, they are usually bought over the counter, don’t require a prescription, or contain any pharmaceutical drugs. Generally, they help supplement a healthy diet, workout performance, and overall lifestyle and wellness.

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One of the main issues business owners continue to face is concerns around liability arising from their products and operations. In our litigious society, more and more third-party lawsuits are being filed—and you can’t keep your business exposed to that risk.

Under the definition of "strict liability," a person who is injured by a product may be entitled to compensation for their injuries without showing the manufacturer or seller of the product was actually negligent. Attorney costs, court fees, medical bills, and settlement costs can accumulate at a staggering rate. Not having liability coverage puts everything you have built at risk.

If you receive a liability claim, you risk damaging your business’s reputation with customers and partners, halting your business operations, or even losing your business entirely. Not to mention, getting vitamin insurance meets the requirements many stores and businesses in the supply chain require you to have.

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Calculating the costs of your policy varies on many factors, such as:

Product type
Gross annual revenue
Custom policy limits
Additional endorsements
Claims history

Insurance Canopy allows you to tailor your policy to meet your business’s unique needs. This means you only pay for the coverage you need. All of our vitamin insurance policies do carry a minimum deductible of $2,500 in the case of a claim.

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Insurance for nutraceuticals product/company protects those who produce, manufacture, distribute or sell vitamin and dietary supplements from liability claims. These claims may arise from your products’ exposure to consumers. Insurance Canopy’s policy can cover the costs of a claim for:

Allergic reactions
Choking
Product design and manufacturing defects
Mislabeled products
Property damage
Slip-and-fall accidents

Our policies can also cover your products and equipment while in transit from damage and theft, properties rented to you, vehicles, and online information stolen during a cyber attack.

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Insurance Canopy’s vitamin insurance includes coverage for general and product liability insurance, damage to premises rented to you, limits up to $25 million, and a per occurrence limit. To help you customize your coverage, we also offer endorsements you can add to your policy. These include:

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No matter where your business fits in the supply chain, you are at risk of being named in a lawsuit if your product causes bodily injury or property damage. Insurance Canopy’s vitamin manufacturing insurance offers affordable coverage for:

Manufacturers and Wholesalers
Importers and Distributors
Retailers and Suppliers
Business and product owners
New ventures and start-ups

Our policies can also cover your products and equipment while in transit from damage and theft, properties rented to you, vehicles, and online information stolen during a cyber attack.

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Choosing the right insurance is critical.

You can’t afford gaps in your coverage that could put you out of business.

nutraceuticals and leaves on a white table.

Need additional information before making a decision?

Give our team a call today at 844.520.6993

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A Safe Company Is A Healthy Company
Quickly apply for an easy and free quote, or give our experienced agents a call with any questions. Avoid the risks—get protected today.

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