Supplements & nutraceuticals
Identify products, ingredients, intended uses and labeling claims.
Life Sciences insurance · For brokers
Put product detail at the center.
Liability options for selected nutraceutical and lawful cannabis-related operations, from manufacturing and processing to retail and distribution.
Specialty products · Manufacturing · Distribution
Available Products
Explore coverage options for the account’s operations, people, property and contractual needs.
Core Offerings
- Excess & Umbrella
- General Liability
- Product Liability
Supporting Lines
- Commercial Auto
- Commercial Property
- Inland Marine / Equipment
- Workers’ Compensation
Availability varies by operation, state and underwriting review. Products may be placed separately or together, depending on the account and market.
Different operations.
Different paths to placement.
Manufacturers & processors
Explain ingredients, formulation, manufacturing controls and third-party production.
Brand owners & distributors
Describe testing, traceability, distribution agreements and sales territories.
Selected cannabis-related risks
Review lawful operations, product type and jurisdictions with underwriting.
Availability varies by operation, state and underwriting review.
More account and underwriting detail
Operations considered
- Supplements & nutraceuticals
- Manufacturers & processors
- Brand owners & distributors
- Selected cannabis-related risks
Flag for closer review
- Ingredients / formulation
- Intended use / labeling
- Regulatory jurisdiction
- Third-party manufacturing
- Adverse events / recalls
- Cannabis extraction / processing / storage / security
From formulation to end use
Selected life-science and specialty-product businesses may be considered through available specialty markets. Manufacturing, labeling, distribution and intended use each shape the account.
Product and role
Describe product type, intended use, ingredients, formulation and your manufacturing, importing, distributing or brand-owner role.
Quality and testing
Explain manufacturing controls, quality assurance, testing, outside laboratories and Certificates of Analysis.
Labeling and regulation
Provide labeling controls, regulatory jurisdictions and applicable licenses.
Supply chain
Identify third-party manufacturing, distribution and vendor responsibilities.
Adverse events and recalls
Explain prior complaints, adverse events, recalls and claims, together with response procedures.
Cannabis-related operations
Where legally permitted and market-eligible, describe operation type, extraction, processing, testing, storage and security.
See the whole account.
Products & liability
Nutraceuticals
Selected dietary supplements, vitamins, herbs, protein and energy products, subject to ingredients and labeling review.
Cannabis-related operations
Selected lawful growers, processors, manufacturers, dispensaries, retailers, distributors and delivery operations.
Liability options
General liability and products-completed operations, including products-only options and $1 million / $2 million limits.
Policy structure & extensions
Occurrence & claims-made
General liability occurrence and products claims-made structures; claims-made general liability may also be available.
Contract requirements
Selected additional insured, primary/noncontributory, waiver of subrogation and worldwide options.
Additional extensions
Employee benefits liability, hired/non-owned auto and security-breach expense options vary by offer. Confirm each endorsement.
The placement desk
Ingredients, claims and controls matter.
Explain ingredients, labeling claims, testing and traceability. Selected cannabis-related operations require jurisdiction and market review. The current focus does not establish clinical-trial, biotechnology or other unlisted product capacity.
Discuss the details ↗A stronger submission starts here.
Start with what you have. We’ll identify what else is needed.
The account
- Named insured & effective date
- Operations & states of work
- Product list, ingredients & labeling claims
- Sales, territories & manufacturing/private-label role
- Quality testing, traceability & distribution
The supporting detail
- Completed ACORD applications
- Required supplemental applications
- Currently valued loss runs
Include intended uses, manufacturing agreements and the territories where products are sold.
Additional preparation by coverage and operation
Start with these
- Named insured
- Business description
- Requested coverage / effective date
- Product categories
- Manufacturer / distributor / importer / brand-owner role
- Annual sales
- Locations
- Current / prior insurance
- Currently valued loss information
Add when applicable
- Products Liability supplemental
- Complete product list
- Revenue by product
- Product labels
- Ingredient lists
- Manufacturing locations
- Third-party manufacturer agreements
- Countries of manufacture
- Quality-control procedures
- GMP information
- Testing procedures
- Certificates of Analysis
- Outside-lab information
- Recall procedure
- Recall history
- Prior adverse-event / product-complaint information
- Vendor / supplier information
- Distribution territory
- Regulatory licenses
- Cannabis licenses where applicable
- extraction / processing details
- property SOV
- underlying policies for excess review
Placement notes
Provide product and ingredient information
Organize a complete product list with labels, ingredients, intended use and revenue by product.
Explain manufacturing and testing
Identify manufacturing locations, third-party agreements, quality controls, outside labs and Certificates of Analysis.
Include labeling and recall procedures
Provide labeling controls, recall procedures and relevant prior complaints or adverse events.
Applications & guides
Prepare the right details.
Confirm carrier supplements, ACORD editions and loss-run periods for the selected program. Blank ACORD and carrier forms are not distributed here.
Browse 7 coverage preparation guides
View guide: Product Liability
Product Liability · reference guide
Life Sciences · Public preparation guide
Product Liability
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales by product and territory (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Ingredients, claims and intended use
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Manufacturing/private-label role
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Testing, traceability and distribution controls
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Supplements & nutraceuticals
- Manufacturers & processors
- Brand owners & distributors
- Selected cannabis-related risks
- Explain ingredients, labeling claims, testing and traceability. Selected cannabis-related operations require jurisdiction and market review. The current focus does not establish clinical-trial, biotechnology or other unlisted product capacity.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Life Sciences preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: General Liability
General Liability · reference guide
Life Sciences · Public preparation guide
General Liability
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales by product and territory (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Ingredients, claims and intended use
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Manufacturing/private-label role
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Testing, traceability and distribution controls
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Supplements & nutraceuticals
- Manufacturers & processors
- Brand owners & distributors
- Selected cannabis-related risks
- Explain ingredients, labeling claims, testing and traceability. Selected cannabis-related operations require jurisdiction and market review. The current focus does not establish clinical-trial, biotechnology or other unlisted product capacity.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Life Sciences preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Excess & Umbrella
Excess & Umbrella · reference guide
Life Sciences · Public preparation guide
Excess & Umbrella
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales by product and territory (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Ingredients, claims and intended use
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Manufacturing/private-label role
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Testing, traceability and distribution controls
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Supplements & nutraceuticals
- Manufacturers & processors
- Brand owners & distributors
- Selected cannabis-related risks
- Explain ingredients, labeling claims, testing and traceability. Selected cannabis-related operations require jurisdiction and market review. The current focus does not establish clinical-trial, biotechnology or other unlisted product capacity.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Life Sciences preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Commercial Property
Commercial Property · reference guide
Life Sciences · Public preparation guide
Commercial Property
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales by product and territory (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Ingredients, claims and intended use
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Manufacturing/private-label role
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Testing, traceability and distribution controls
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Supplements & nutraceuticals
- Manufacturers & processors
- Brand owners & distributors
- Selected cannabis-related risks
- Explain ingredients, labeling claims, testing and traceability. Selected cannabis-related operations require jurisdiction and market review. The current focus does not establish clinical-trial, biotechnology or other unlisted product capacity.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Life Sciences preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Inland Marine / Equipment
Inland Marine / Equipment · reference guide
Life Sciences · Public preparation guide
Inland Marine / Equipment
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales by product and territory (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Ingredients, claims and intended use
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Manufacturing/private-label role
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Testing, traceability and distribution controls
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Supplements & nutraceuticals
- Manufacturers & processors
- Brand owners & distributors
- Selected cannabis-related risks
- Explain ingredients, labeling claims, testing and traceability. Selected cannabis-related operations require jurisdiction and market review. The current focus does not establish clinical-trial, biotechnology or other unlisted product capacity.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Life Sciences preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Workers’ Compensation
Workers’ Compensation · reference guide
Life Sciences · Public preparation guide
Workers’ Compensation
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales by product and territory (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Ingredients, claims and intended use
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Manufacturing/private-label role
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Testing, traceability and distribution controls
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Supplements & nutraceuticals
- Manufacturers & processors
- Brand owners & distributors
- Selected cannabis-related risks
- Explain ingredients, labeling claims, testing and traceability. Selected cannabis-related operations require jurisdiction and market review. The current focus does not establish clinical-trial, biotechnology or other unlisted product capacity.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Life Sciences preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Commercial Auto
Commercial Auto · reference guide
Life Sciences · Public preparation guide
Commercial Auto
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales by product and territory (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Ingredients, claims and intended use
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Manufacturing/private-label role
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Testing, traceability and distribution controls
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Supplements & nutraceuticals
- Manufacturers & processors
- Brand owners & distributors
- Selected cannabis-related risks
- Explain ingredients, labeling claims, testing and traceability. Selected cannabis-related operations require jurisdiction and market review. The current focus does not establish clinical-trial, biotechnology or other unlisted product capacity.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Life Sciences preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
Start with the product. Build the submission.
Share the account. Start the placement conversation.
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Coverage availability and terms depend on the account, state and underwriting review. Submission does not bind coverage.
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