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At Worldwide Facilities, our dedicated NutraRisk team specializes in the unique exposures of the life sciences and nutraceutical markets. We offer targeted insurance solutions for manufacturers, distributors, researchers and service providers—helping retail brokers place appropriate coverage for clients ranging from early-stage startups to established enterprises. With deep industry knowledge and broad market access, NutraRisk streamlines placement for complex product and clinical risks. Ideal Accounts and Appetite The Nutraceuticals & Life Science Insurance program is intended for businesses involved in product development, manufacturing, research, testing and distribution across the life sciences spectrum. Typical classes we write include: Dietary supplements and vitamin manufacturers Energy drinks, bars and functional beverages Herbal and botanical products Cosmetics and personal care goods Pharmaceutical and biotechnology firms Clinical trial sponsors and contractors Medical centers, research institutions and universities Pet health and animal supplement products Raw material suppliers and ingredient manufacturers Bedroom and wellness product manufacturers Our appetite covers both emerging ventures and mature businesses. You might place a client launching an herbal supplement line, a contract manufacturer supporting multiple brands, or a biotech startup preparing for first-in-human studies. Coverage Highlights and Advantages Worldwide Facilities offers flexible, industry-focused terms to address the product and clinical liability exposures common in life sciences. Key coverage components include: Commercial General Liability — available on claims-made or occurrence forms Products Liability, including Products/Completed Operations Discontinued Products coverage Clinical Trials Liability for sponsors and clinical service providers Product Recall Expense (through semi-exclusive markets) Mergers & Acquisitions liability options Extended Reporting Periods and programs designed for new ventures Additional program features: Primary limits from $1M to $10M Excess capacity up to $100M Blanket broad form vendors coverage where appropriate Miscellaneous E&O and aggregated deductible options Hired & Non-Owned Auto and worldwide coverage territory available Underwriting Notes We place business with a range of admitted and non-admitted carriers depending on the risk profile and jurisdiction. Worldwide Facilities’ underwriters are experienced with complex exposures and can assist with hard-to-place accounts, prior loss experience, and novel product formulations. Minimums and program eligibility vary by class—underwriters will evaluate formulation, manufacturing controls, labeling, quality assurance, distribution channels and claims history when considering terms. Territories and Availability The program is available nationwide — all 50 states and Washington, D.C. — with the carrier flexibility to write in states that have more nuanced regulatory requirements. Why Work With Worldwide Facilities? As a Managing General Agency and Excess & Surplus Lines broker, Worldwide Facilities couples underwriting expertise with market access. Our NutraRisk division focuses exclusively on life sciences and nutraceutical risks, giving retail brokers a dedicated partner for placement, policy servicing and claim navigation. We support new ventures as well as established firms and can help position accounts to secure broader capacity, specialized endorsements, or recall solutions when needed. Learn more and submit applications at nutrarisk.com. Get in touch! Contact us here: nutrarisk.com/contact Frequently Asked Questions What types of accounts are a good fit for this program?This program targets dietary supplement manufacturers, biotech firms, clinical trial sponsors, pet product companies, contract manufacturers, and other life science businesses with product or clinical liability exposure. Can you help with startup or new venture risks?Yes. We offer tailored programs for new ventures entering the life sciences or nutraceutical markets, including guidance on product controls and placement options for first-time manufacturers. Is this program available in all states?Yes. The program is available nationwide, including all 50 states and Washington, D.C., though specific terms may vary by jurisdiction and carrier. What coverage limits are available?Primary limits generally range from $1 million to $10 million, with excess capacity available up to $100 million, depending on the account and carrier appetite. Do you offer product recall coverage?Yes. Product recall expense coverage is available through semi-exclusive markets as part of the program—availability depends on the product class and underwriting review. Need help placing an account? Connect with a market specialist.

...ical professionals, physician-led clinics, and surgical centers that perform h...r licensed medical professionals and clinics that perform hair restoration pro...