Vitamin and Dietary Supplement Insurance
Product liability insurance built for nutraceutical brands
- Protect against costly lawsuits – Product liability coverage for claims tied to mislabeling, contamination, or bodily injury
- Meet retail & e-commerce requirements – Get insurance to sell in major stores and online marketplaces
- Customize your coverage – Add product recall, cyber liability, or extra defense limits to fit your supplement business needs
Vitamin and Dietary Supplement Insurance
Product liability insurance built for nutraceutical brands
- Protect against costly lawsuits – Product liability coverage for claims tied to mislabeling, contamination, or bodily injury
- Meet retail & e-commerce requirements – Get insurance to sell in major stores and online marketplaces
- Customize your coverage – Add product recall, cyber liability, or extra defense limits to fit your supplement business needs
Why Do Nutraceutical Companies Need Insurance?
The nutraceutical industry presents unique risks — mislabeling, contamination, and adverse reactions can lead to costly lawsuits. Even if you don’t manufacture the product, you can still be held liable if it’s sold under your name.
Insurance Canopy’s Vitamin & Supplement Insurance provides general and product liability coverage to safeguard your business from financial losses.
Whether you manufacture, import, distribute, or private label supplements, our policies help you meet retailer and e-commerce requirements so you can confidently enter supply chains, online marketplaces, and stores with your products.
How Much Does Vitamin and Dietary Supplement Insurance Cost?
Most supplement businesses insured through Insurance Canopy pay between $2,800 and $4,500 per year for coverage — depending on their products, revenue, and role in the supply chain.
What Affects Your Rate?
Factors influencing insurance premium costs include:
- Product risk level: Higher-risk supplements (e.g., sexual enhancement, weight loss) often result in higher premiums
- Annual revenue: Higher sales can increase potential liability, impacting insurance rates
- Business role: Distributors generally pay less than manufacturers or private labelers
- Claims history: A history of claims can result in increased premiums
- Compliance standards: Compliance with Good Manufacturing Practices (GMP) and conducting third-party lab testing can help reduce your rate.
Pricing Tiers at a Glance
| Risk Tier | Common Product Types or Scenarios | Starting Premium Average |
|---|---|---|
|
Low Risk |
Protein powders, multivitamins, herbal teas, and topicals |
~$2,800 / year |
|
Moderate Risk |
Energy drinks, sexual enhancement products, and newer ventures |
~$3,500–$4,500 / year |
|
High Risk |
Large operations, high sales volume, or requests for higher limits/deductibles |
~$10,000+ / year |
Low Risk
Common Product Types or Scenarios
Protein powders, multivitamins, herbal teas, and topicals
Starting Premium Average
~$2,800/year
Moderate Risk
Common Product Types or Scenarios
Energy drinks, sexual enhancement products, and newer ventures
Starting Premium Average
~$3,500–$4,500/year
High Risk
Common Product Types or Scenarios
Large operations, high sales volume, or requests for higher limits/deductibles
Starting Premium Average
~$10,000+/year
These figures reflect real policyholders covered under our insurance program and align with common underwriting tiers.
Real Pricing from Insurance Canopy Customers
Basic Vitamins & Supplements
Annual Premium: $2,803
A small business selling non-compounded vitamins and supplements through online channels. Low-risk products and modest sales volume kept this policy affordable.
Sexual Enhancement Products
Annual Premium: $3,519
A growing brand offering male enhancement supplements online. Product type and liability profile place it in the moderate risk category.
Gut Testing & Supplement Combo
Annual Premium: $10,159
A supplement business offering gut health testing services alongside ingestible products. High-touch offerings and specialized use pushed this policy into the high-risk tier.
Who Needs Dietary Supplement Insurance?
If you manufacture, import, private label, or distribute supplements, you could be held liable for claims tied to contamination, mislabeling, or adverse reactions, even if you didn’t create the product yourself.
Insurance Canopy covers businesses that:
We insure a wide range of ingestible and topical wellness products, such as:
- Vitamins & dietary supplements
CBD (ingestible & topical, under 0.3% THC) - Workout and bodybuilding supplements
- Energy and wellness drinks
- Sexual enhancement supplements
- Herbal or nutraceutical blends
- Body cleansers and creams
- Compounded & non-compounded herbs
Businesses Insurance Canopy Covers
We’ve worked with a wide range of supplement companies, including:
- Brands offering herbal teas, botanical extracts, and compounded supplements
- Companies creating protein-infused drinks, like coffee or veggie-based soups
- Beard oil and skincare cream sellers operating under private labels
- Businesses selling gut health kits, essential oils, and pet supplements
- Founders launching functional mushroom supplements and edible pouches
Pro Tip: Our policies also help you meet the insurance requirements of major retail stores and online marketplaces, so you can get your products on shelves and in carts.
What Kind of Insurance Do Nutraceutical Businesses Need?
As a nutraceutical business owner, you’re not just selling supplements — you’re helping people take control of their health. But with significant impact comes great responsibility, and the right insurance ensures your business stays strong while you focus on changing lives. We recommend the following coverages:
General and Product Liability Coverage
General Liability Insurance
General liability insurance for nutraceutical companies protects you from third-party claims like slip-and-falls at your store or booth, property damage during events, or advertising-related lawsuits (ex: misleading marketing).
Product Liability Insurance
Product liability insurance is essential coverage that protects your business if someone claims your supplement caused bodily harm, whether from contamination, mislabeling, or an undisclosed ingredient. Most retailers and online marketplaces require this coverage.
Add-Ons
Product Recall Insurance
Product recall insurance is designed to cover the high costs of pulling products from the market, including notifications, disposal, legal help, and damage control.
Cyber Liability Insurance
Cyber liability insurance helps protect against data breaches, phishing attacks, and payment system hacks. It is especially important for supplement brands that sell online or store customer data.
Inland Marine
Inland marine insurance can cover raw materials, equipment, or finished goods damaged in transit. This is ideal for companies that ship inventory or attend trade shows.
Additional Defense Limits
Add extra legal protection in the event of high-stakes claims, ensuring your legal costs don’t cut into your primary coverage..
Workers Compensation
Workers compensation insurance helps cover medical bills and lost wages for employees injured on the job. This coverage is required in most states to stay compliant and avoid lawsuits.
Surety Bonds
Surety bonds help supplement businesses meet legal, regulatory, or contractual requirements. Whether you’re importing products, registering with state agencies, or entering agreements with retailers, a surety bond provides financial assurance that you’ll meet your obligations.
They’re especially helpful for private labelers, importers, or brands expanding into new markets.
Hired & Non-Owned Auto Insurance (HNOA)
Covers liability when employees use personal or rented vehicles for business purposes. This coverage is useful for attending events, meetings, or delivering product samples.
Worldwide Coverage & Punitive Damages
Extra protection for brands that sell products in other countries or could get sued and be ordered by a court to pay extra money as a financial penalty beyond basic damages.
Contractual Endorsements
Includes additional insureds, primary non-contributory status, or a waiver of subrogation if required by retailers, distributors, or supply chain partners.
Standard Coverage Details for Vitamin and Dietary Supplement Insurance
1 Additional Insured: $15, Unlimited Additional Insureds: $30
Limits Of Liability
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 services.
$2,000,000*
The maximum amount your policy will pay for bodily injury and property damage claims occurring within the policy term that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
$2,000,000*
- 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
The maximum amount paid per incident during the term of the policy.
$1,000,000*
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
Additional Endorsements & Coverage Info
An additional cost will be added for this coverage. See the application for additional coverage details for Cyber Liability Insurance.
$100,000
$2,500
*Other limits available on underwriting approval.
135,000+ Small Businesses Love Insurance Canopy
We Have A (Nearly) 5 Star Rating
-
Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025 -
I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025
-
Thank you so much
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025
Questions About Vitamin and Dietary Supplement Insurance
Do I need insurance for a supplement company?
Yes, you need insurance for a supplement company. It protects you from risks such as product liability claims, customer injuries, employee accidents, and cyberattacks. With the right coverage — like product liability, general liability, and workers compensation — you safeguard your business against costly legal issues and meet retailer requirements.
Additional coverages also help protect your brand from the financial fallout of a product recall or adverse reaction claim.
Will insurance cover claims related to FDA non-compliance?
No, not directly. Insurance does not cover fines, penalties, or legal costs from FDA enforcement in the nutraceutical space.
However, if a regulatory issue such as mislabeling or undeclared ingredients leads to a consumer injury and a lawsuit, product liability insurance may help cover the legal costs tied to that injury claim. It’s crucial to ensure your business fully complies with FDA guidelines to avoid these risks.
Do I need insurance if I private-label supplements from a manufacturer?
Yes, you still need insurance if you private-label supplements from a manufacturer. Once a product is sold under your brand, you are considered the legal manufacturer, even if you didn’t produce it yourself.
Product liability and general liability insurance help protect you from claims tied to product defects, mislabeling, or adverse reactions. If a customer is harmed, you can be held responsible even if the issue came from the original manufacturer.
Does Vitamin & Supplement Insurance cover product recalls?
Not by default. Vitamin & Supplement Insurance typically does not include product recall coverage under standard product liability policies. However, you can add product recall insurance as an endorsement to your policy for additional protection.
Insurance Canopy’s product recall insurance provides tailored coverage for the nutraceutical industry. It helps cover costs associated with recalling a product, such as customer notifications, disposal, and legal expenses. This endorsement protects your business from the financial repercussions of a recall, which are not typically covered by standard product liability insurance.
What happens if a customer sues me for false advertising?
You could be covered. General liability insurance often includes coverage for advertising injuries, which can help protect you from these types of claims. It’s crucial to ensure your advertising is accurate and compliant with regulations to minimize the risk of such lawsuits.
Will my insurance cover lawsuits from influencers or affiliates promoting my product?
It depends on the situation. If your business is named in a lawsuit involving false advertising or misrepresentation, general liability insurance may help cover legal costs. However, claims tied to regulatory violations or lawsuits where you’re not directly named typically aren’t covered. Review your policy or speak with an agent to ensure you’re fully protected.
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