Who insures it · 5 named markets · read 2026-10-28

Who insures Nutraceutical and supplement makers?

Nutraceutical and supplement makers is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

5 markets publicly write Nutraceutical and supplement makers: Admiral Insurance Group, Kinsale Insurance, Burns & Wilcox, Beazley, James River Insurance. 3 E&S carriers, 1 wholesaler, 1 admitted carrier. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
Admiral Insurance Group E&S carrier	Health, Nutrition & Lifestyle casualty program for manufacturers, contract manufacturers, distributors, wholesalers, importers and private-label brands of nutraceutical products: botanicals, energy drinks, enzymes, extracts, functional mushrooms, herbals, minerals, probiotics, protein bars, sports nutrition, superfoods, vitamins, weight loss products. “Designed for organizations across the health, beauty, and wellness supply chain”	not stated	not stated	admiralins.com · read 2026-10-28
Kinsale Insurance E&S carrier	Life Sciences specialty casualty target classes include dietary supplements, hemp including dietary supplements, CBD/cannabidiol and health and beauty products, with a Nutraceuticals and Cosmetics application and nutraceuticals brochure. “Dietary supplements”	not stated	not stated	kinsaleins.com · read 2026-10-28
Burns & Wilcox Wholesaler	Manufacturing & Distribution specialty lists Dietary Supplemental & Nutraceuticals under Life Sciences. “Dietary Supplemental & Nutraceuticals”	not stated	not stated	burnsandwilcox.com · read 2026-10-28
Beazley Admitted carrier	NutraGuard life sciences product for nutraceutical organizations including dietary supplements and personal care & cosmetics products; territory worldwide for US- and Canada-domiciled organizations. “Safeguards the healthiest possible future for nutraceutical organizations.”	not stated (US- and Canada-domiciled organizations)	not stated	beazley.com · read 2026-10-28
James River Insurance E&S carrier	Life Sciences target classes include Nutraceuticals: OTC vitamin & mineral and high-protein & muscle-building supplements (page sits under the Excess & Surplus Lines segment). “Supplements: OTC Vitamin & Mineral, High Protein & Muscle Bldg.”	not stated	Surplus lines	jrvrgroup.com · read 2026-10-28

Seventh verified market not listed (6 max): PPIB product liability program lists Dietary Supplements and Nutraceuticals, https://www.ppibcorp.com/product-liability-insurance/. Markel life sciences, Great American, Lexington, Allied World, Jencap, NIP pages do not name supplements; Crum & Forster, Hiscox and RPS returned 403; NSM domain did not resolve.

How Nutraceutical and supplement makers gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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