This coverage is designed for anyone manufacturing or distributing products to the health and fitness industry. This would include equipment manufacturers, supplement companies, equipment designers, and manufacturer’s representatives who are not protected by the insurance policies of the equipment manufacturers…usually independent contractors or retail operations. The coverage is designed to protect the insured from claims arising out of product defect or product contamination resulting in injury or death of the consumer. It is important to note that if you “private label” someone else’s product, you could be liable for the integrity and safety of that product. Most general and professional liability policies exclude “products that you manufacture or distribute”.