Medical Products Markel’s insurance has been specially designed to cover the risks faced by manufacturers and distributors of medicines, medical devices, laboratory instruments and equipment, and ophthalmic products. Cosmetics Markel’s insurance has been specially designed to cover the specialist risks faced by the cosmetics sector, from low risk cosmetics tools like hairbrushes and razors, through to higher risk products such as hair dye and sunscreen. Vitamins and food supplements Markel’s specialist insurance has been designed for businesses that manufacture or distribute vitamins, supplements, minerals, as well as sports nutrition, homeopathic and herbal remedies. R&D for start-up organisations Markel understand that small, start-up research and development companies need specialist cover, with premiums that are also affordable.