Programs Built for the Categories Most Carriers Refuse to Touch
For some categories, "specialty insurance" isn't a marketing phrase, it's a specific carrier appointment, specific underwriting language, and specific policy structure. These are the programs we've built for those categories.
Specialty programs for unique product categories.
Each program comes with dedicated carrier relationships, underwriting expertise, and policy language built for the niche.
Pet Supplement & Treat Program
Pet supplements, treats, and food brands operate under NASC compliance, AAFCO labeling, and a unique product-liability profile. Animals can't testify but their owners can sue.
- NASC compliance underwriting
- AAFCO labeling protection
- Adverse pet reaction coverage
- Recall response built for pet categories
Nootropic & Functional Mushroom Program
Lion's Mane to Alpha-GPC. Bacopa to Phenibut. Cordyceps to Reishi. The category sits at the intersection of supplement law and consumer experimentation. Underwriters who get the difference.
- Cognitive claim language coverage
- Adaptogenic mushroom-specific underwriting
- Stack formulation product liability
- Distinguishes Phenibut-class from Bacopa-class risk
CBD & Hemp Product Program
Federally legal hemp products operate under restricted carrier appetite. We've built specific carrier relationships for tinctures, topicals, edibles, and beverages with COA-aligned underwriting.
- 2018 Farm Bill compliant products
- Full-spectrum, broad-spectrum, isolate
- COA-aligned underwriting
- DTC, retail, and dispensary-adjacent channels
Psychedelic-Adjacent & Plant Medicine Program
Ketamine clinics, ibogaine retreats, and plant-medicine-adjacent businesses operate in a legal gray zone with limited carrier appetite. We have placements where most brokers don't.
- Ketamine clinic and infusion underwriting
- Ibogaine retreat and ceremony coverage
- Plant-medicine adjacent businesses
- Where state and federal law align with coverage
Don't see your category?
If your product or business sits outside the standard market, send us the details. Specialty programs grow when the right founder calls us.
Start my quoteOr call (765) 432-8989