Dietary Supplement / Nutraceutical Liability Insurance

Dietary Supplement / Nutraceutical Liability Insurance from Citadel Insurance Services

Citadel Insurance Services offers specialized liability coverage designed for manufacturers, importers, distributors, and formulators in the dietary supplement, nutraceutical, and cosmetic industries. Our NutriPRO program provides broad, flexible protection tailored to the unique risks in this evolving market segment.

Target Markets and Ideal Accounts

This program is an excellent fit for:

• Manufacturers, importers, and distributors of dietary supplements, herbal products, and nutraceuticals
• Cosmetics manufacturers and distributors
• Contract manufacturers and private label formulators

If you have clients launching a new line of protein powders, distributing herbal remedies, or producing custom skincare products, this program may be a strong placement option.

Program Benefits and Coverage Highlights

NutriPRO offers robust coverage through a top-rated carrier (A+ XV) with competitive terms and flexible options, including:

• General Liability and Products/Completed Operations
• ISO Occurrence-based GL with Claims-Made Products Liability (not Claims-Made and Reported)
• Zero deductible options for both Premises/Operations and Products Liability
• Superior policy language including clear definitions of “Bodily Injury” and “Damages”
• No Mold or Silicosis exclusion on product-related claims
• Minimum premiums starting at $2,200
• Key endorsements included: Additional Insured – Vendors, Waiver of Subrogation, Primary and Non-Contributory wording
• Additional benefits such as Identity Theft coverage, Medical Payments, Damage to Rented Premises, Punitive Damages (where allowed), and TRIA (Terrorism Risk Insurance Act) coverage
• Rapid quoting and flexible financing options

Optional Enhancements

Customize your client’s protection with optional coverages such as:

• Hired and Non-Owned Auto Liability
• Voluntary Product Withdrawal
• Employee Benefits Liability
• Stop Gap Liability
• Property in Your Care, Custody & Control
• Non-Auditable Policy

Underwriting and Minimum Premiums

Minimum premiums begin at $2,200, with aggressive rating factors that help keep your client’s costs competitive. Our underwriting team understands the nuances of the supplement and cosmetic industry, enabling faster decisions and tailored solutions.

Program Availability

This program is available on a non-admitted basis in all 50 states including DC. Whether your client operates regionally or nationally, we can help you place the right coverage.

Why Work With Citadel Insurance Services?

As a Managing General Agency and E&S Broker, Citadel Insurance Services brings deep industry knowledge and underwriting expertise to niche markets. Our NutriPRO program is backed by a top-tier carrier and built for speed, flexibility, and comprehensive protection. We make it easy for you to quote and bind coverage, so you can focus on growing your book with confidence.