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    John Livatino

    John Livatino

    Miscellaneous Medical Underwriter

    Nutraceutical products can take numerous forms, and target a vast array of wellness and lifestyle issues. Drawing on extensive experience, Beazley is proactive in helping our nutraceutical insureds to safeguard the healthiest possible future for their operations worldwide.

    NutraGuardTM provides a broad, flexible policy to meet the needs of the nutraceutical industry.

    Highlights include:


    • Products/completed operations
    • General liability
    • Advertising/personal injury
    • Employee benefits liability
    • Fire legal liability
    • Medical expenses
    • Professional liability
    • E&O
    • Hired & non-owned auto
    • Privacy
    • Product recall expense
    • Primary and umbrella coverage


    • Dietary supplements:
      • Vitamins/minerals
      • Supplements
      • Herbs/botanicals/homeopathy
      • Sports nutrition
      • Weight management
      • Energy products
      • Sexual performance
    • Personal care products
    • Cosmetics
    • Select over-the-counter drugs
    • All levels within the supply chain:
      • Importers/raw material distributors
      • Manufacturers
      • Contract manufacturers
      • Private labelling
      • Wholesale and retail distribution


    Up to US $25,000,000


    Key territories

    • US 50 States
    • True worldwide claims coverage
    • Ability to include foreign related entities and operations

    Nutraguard team


    Sarah Fiorito

    Miscellaneous Medical Underwriter

    Sarah Fiorito

    Los Angeles, CA, USA

    +1 213 228 7716

    John Livatino

    Miscellaneous Medical Underwriter

    John Livatino

    Chicago, IL, USA

    +1 312 476 6238

    Natalie Mauro

    Underwriter - Healthcare

    Natalie Mauro

    London, UK

    +44 207 667 0630

    Nutraguard forms

    Application forms

    NutraGuard Claims Made Insurance Application

    Fact sheets

    NutraGuard Factsheet

    Wordings / policies

    NutraGuard policy

    The descriptions contained on this website are for preliminary informational purposes only. In the US, the product may be available on an admitted basis in some but not all jurisdictions through Beazley Insurance Company, Inc. In other US jurisdictions, the product is underwritten by Beazley syndicates at Lloyd's and is available only on a surplus lines basis through licensed surplus lines brokers. The publication and delivery of the information contained herein is not intended as a solicitation for the purchase of insurance on any US risk.

    Except where products are issued by Beazley Insurance Company, Inc., coverages are underwritten by Beazley syndicates at Lloyd's and will vary depending on individual country law requirements and may be unavailable in some countries.  The exact coverage afforded by the products described herein is subject to and governed by the terms and conditions of each policy issued.

    Some coverages are made available through Beazley USA Services, Inc., which is a service company that is a part of the Beazley Group and has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's syndicates 623 and 2623 which are managed by Beazley Furlonge Limited.  Beazley USA Services, Inc. is licensed and regulated by insurance regulatory authorities in the respective states of the US and transacts business in the State of California as Beazley Insurance Services (License#: 0G55497).