NutraGuard

A wide range of nutraceutical organizations, including: 

• Dietary supplements 
• Personal care & cosmetics products
• Over-the-counter drugs
• Functional foods and ingredients
• Wholesale/retail distribution
• Contract manufacturing organizations
• Ingredient suppliers

• The insured manufactures a medicinal shampoo. One customer contacted a plaintiff’s firm alleging that the shampoo was causing her hair to fall out. The plaintiff’s firm began advertising for additional plaintiffs and filed multiple lawsuits in federal court alleging that the hair loss caused by the insured’s shampoo has resulted in both physical and emotional injuries. The plaintiff’s counsel then moved to consolidate the claims into a multi-district litigation, further encouraging additional lawsuits.
• Multiple retail pharmacies were sued for allegedly selling private label, generic over-the-counter drugs that had been contaminated with a chemical they believed was carcinogenic. The retail pharmacies in turn sought indemnification from the insured manufacturer, who manufactures the drug in bulk for multiple nationwide retailers at its plant in India.
• A customer contacted the insured cosmetic manufacturer alleging that she cut her finger when a glass jar containing the insured’s ointment broke. In addition to facing a personal injury lawsuit, the insured received two additional customer complaints alleging that other jars from the same lot had broken as well. In order to avoid additional lawsuits, the insured may need to recall all products from that lot.