Pet Products Insurance
Insurance for Pet Brands, Supplements & Wellness
Built for pet supplement, treat, food, wellness, and grooming brands navigating AAFCO standards, FDA pet food regulations, and the recall reality of ingestible pet products.
Get a QuoteWho This Is For
Built For These Operators
Pet Supplement Founders
Functional pet supplements, joint, calming, digestive, immune support.
Pet Treat & Food Brands
Treats, jerky, dental chews, premium pet food, novel proteins.
Pet Wellness Brands
CBD, hemp, functional pet wellness products.
Pet Grooming & Topicals
Shampoos, conditioners, dental products, topical treatments.
What’s Covered
Coverage Built For This Vertical
Product Liability ($2M-$25M)
Built for pet ingestible-specific risks: contamination, recall, illness claims.
Recall Coverage
Pet food and supplement recalls are frequent and high-profile.
General Liability
Trade show, event, retail demo, operational liability.
Errors & Omissions
Formulator and brand operator liability for spec and label claims.
Cyber Liability
Customer data, subscription pet plans, brand asset protection.
Excess Umbrella
Petco, PetSmart, Chewy partnerships often require $5M+ in coverage.
Compliance Standards That Matter for Pet Brands
AAFCO (Association of American Feed Control Officials) publishes model regulations for pet food, treats, and supplements. Most state pet food regulations adopt AAFCO standards.
FDA Pet Food Regulation - pet food and treats are regulated under the FD&C Act.
NASC (National Animal Supplement Council) - voluntary certification program for pet supplement brands. Increasingly required by retailers like Petco.
Common standards we map pet brand coverage to:
- AAFCO model regulations
- FDA pet food and supplement regulations
- State pet food registration requirements
- NASC quality program
- FTC §5 - advertising substantiation
- USDA - if your products contain meat/poultry
Common Gaps
Where Standard Policies Fall Short
AAFCO Compliance
Pet food and treat brands must comply with AAFCO model regulations. Non-compliance can void coverage.
FDA Pet Food Regulation
Standard policies may not address regulatory defense costs.
Novel Protein & CBD Pet Products
Some carriers exclude or limit coverage.
FAQs
Questions Brand Owners Ask
What limits do pet supplement brands need?
Petco, PetSmart, and Chewy partnerships typically require $1M-$2M occurrence / $2M-$4M aggregate. National retail often requires $5M occurrence.
Are pet supplement recalls covered?
Recall coverage is a separate endorsement. Pet supplement recalls happen frequently.
Are CBD pet products insurable?
Yes, but with higher underwriting scrutiny. CBD pet product coverage is more limited than human CBD.
What about novel protein pet foods?
Novel protein pet foods carry additional regulatory and recall risk. Coverage available with more detailed underwriting.
Does my pet brand need NASC certification?
Not required for coverage, but NASC-certified brands are often more favorably underwritten.