Dietary Supplement Insurance Coverage Checklist
The coverages a dietary supplement business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for dietary supplement brands, private-label marketers, and manufacturers. Priorities reflect typical exposure for this class; confirm against your actual products, channels, and contracts.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Products Liability | Covers injury claims from products you make or sell — the core exposure. Check the excluded-ingredients list against every SKU. | Core | |
| Commercial General Liability | Covers premises and operations claims; often packaged with products for smaller brands. | Core | |
| Product Recall / Contamination | Pays recall costs, destruction, and lost profit — not covered by products liability. Check whether it requires actual, not suspected, contamination. | Core | |
| Vendor's Endorsement / Additional Insured | Retailers and marketplaces require it, and your contract manufacturer should name you on its policy. | Core | |
| Umbrella / Excess Liability | Adds limits for serious injury or multi-plaintiff claims; retailers often require higher totals. | Prevalent | |
| Management Liability / D&O (Regulatory) | Can respond to FDA, FTC, or state attorney general actions and false-advertising suits that products policies exclude. | Prevalent | |
| Cyber / Privacy Liability | Covers customer data from online and subscription sales, plus auto-renewal and website claims. | Prevalent | |
| Property / Stock (incl. Contract Manufacturer Locations) | Covers inventory at your site, at co-packers, in 3PL warehouses, and in transit. | Prevalent | |
| Ocean / Inland Cargo | Covers imported raw materials and finished goods in transit. | Situational | |
| Workers' Compensation | Required once you have employees; covers blending, packaging, and warehouse injuries. | Situational | |
| Employment Practices Liability | Covers claims by employees in hiring, firing, or workplace conduct. | Situational | |
| Foreign Liability | Needed when products are sold outside the U.S., where domestic policies may not respond. | Situational |
The coverage gap most often missed
The gap most often missed by supplement brands is what their products policy will not cover. Many policies list excluded ingredients — stimulants, CBD, kratom, SARMs, and others — and a claim from any product containing one is likely to be denied. Products liability also does not pay to pull a product from shelves or Amazon, and FDA or FTC actions and false-advertising suits usually need separate recall and management liability coverage. Match every SKU to the exclusions list, and confirm your contract manufacturer names you as an additional insured.
Send us the checklist and we'll review your dietary supplement coverage line by line, then market it across multiple carriers that compete for your account.
Related: Dietary Supplement Insurance · Dietary Supplement Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a dietary supplement business need?
The core coverages for a dietary supplement business are Products Liability, Commercial General Liability, Product Recall / Contamination, Vendor's Endorsement / Additional Insured. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my dietary supplement coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.