Insurance Products
The full set of policies a supplement, beauty, OTC, or ingestible brand actually needs. Not generic ecom packages, not warmed-over small business templates.
The four lines every product brand should carry.
Most of our clients start with these four. Bundle them as one policy or layer them, depending on your structure.
Product Liability
Defends against adverse reactions, contamination, mislabeling, and ingredient sourcing claims. The single most important line for any ingestible or topical brand. Pays defense costs from day one, settlements within limits, and judgments.
See product liability →General Liability
The $1M / $2M policy structure Amazon, TikTok Shop, Walmart Marketplace, and most retailers require. Bodily injury, property damage, advertising injury. Bundled with product liability for most ecom brands.
See general liability →Product Recall
Pulls a contaminated, mislabeled, or non-compliant batch off the market without ending your business. Covers customer notification, disposal, lost revenue, brand rehabilitation, and crisis communications.
See product recall →Professional Liability
If you formulate supplements, write labels, consult on cGMP processes, or otherwise advise other brands, this is the policy that defends YOU when one of those formulations or labels is challenged later. Critical for the science-backed founder.
See professional liability →Coverage you add when your business demands it.
Not every brand needs all of these. We size your stack to what you actually sell.
Cyber Liability
If you handle customer payment data, email lists, or store any personally identifiable information, you have cyber exposure. Pays for breach response, notification, regulatory fines, and the lawsuits that follow.
See cyber liability →Cargo Insurance
Covers your inventory while it's moving. Manufacturer to warehouse, warehouse to fulfillment, fulfillment to retailer. Often required by 3PLs and freight forwarders.
See cargo insurance →Equipment Breakdown
If you own production equipment, mixers, encapsulators, packaging lines, this is what pays when something fails and your batch is ruined. Includes business income loss while the equipment is down.
See equipment breakdown →Workers Compensation
Required by law in most states once you have any W-2 employees. Pays medical and lost wages for on-the-job injuries. We place coverage with carriers experienced in product manufacturing classifications.
See workers comp →How most clients structure their stack.
Three patterns we see repeatedly.
Emerging Brand
One SKU on Amazon, sub-$100K annual. Lean coverage to satisfy platforms.
- Product Liability
- General Liability
- Cyber (basic limits)
Scaling Multi-Channel
$500K to $5M annual, multiple platforms, considering retail.
- Product Liability ($1M / $2M)
- General Liability
- Product Recall
- Cyber Liability
- Cargo
Established Retail Brand
$5M+ annual, in retail, owned manufacturing, employees.
- Product Liability ($5M+ stack)
- General Liability
- Product Recall
- Professional Liability
- Cyber, Cargo, Equipment Breakdown
- Workers Compensation
Get the policies that fit what you actually sell.
Send us your products, your channels, and your structure. We come back with a coverage stack built for your category, not a generic small business package.
Start my quoteOr call (765) 432-8989