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Product Detail & Benefits


Though all people, especially athletes, should strive to eat a healthy and balanced diet, few do. Additionally, our food supply is desperately lacking in the nutrients it once had, up to 90% less than a few decades ago. Advice such as "you can get all the nutrients you need from your food" is hopelessly outdated and the consistent use of a multivitamin/mineral supplement is essential. That's where Premium Insurance Caps comes in. Formulated with Optimum Daily Intake (ODI) amounts of the highest quality vitamins and minerals, not just minimum "daily recommended" amounts, Premium Insurance Caps provides a solid nutrient foundation, "bridging the gap" between what you should be getting nutrient-wise from your diet and what you are actually obtaining.


  • Beneficial amounts of elemental calcium and magnesium
  • 50 mg of the multi-beneficial flavonoid, quercetin per capsule
  • Highly-assimilated, amino acid-chelated minerals
  • Multiple digestive enzymes for maximum nutrient absorption
  • All-vegetable capsules


Premium Insurance Caps contain superb levels of the B complex vitamins, amounts that replicate many stress support formulas currently available, thus making those particular products unnecessary in your supplement regimen.

Miss the pre-packaged Premium Insurance Caps?
Let us know in your order notes with a 210 capsule purchase and we will supply free (up to 30 per bottle) Ziplock Baggies for your convenience.

Available in 2 sizes:

We offer this great product in non-packeted 210-capsule and 120-capsule containers. With these non-packeted, loose tablet containers, the task of taking divided doses and/or fewer-than-seven capsules daily becomes much easier.

For those who are new to Hammer Nutrition supplements and want to give this powerful multivitamin/mineral supplement a try, our 120-capsule, non-packeted container is the perfect starter kit. At 7 capsules daily, this provides a 17-day supply; however, if only 4 capsules daily are necessary, this provides a full month's supply. For those of you who prefer the larger 210-capsule version -an amount that lasts a month or more, depending on usage- this is the most economical option.


NOTE: Use daily with Race Caps Supreme and Mito Caps for maximal benefits

Nutrition Labels:

Premium Insurance Caps
Supplement Facts
Serving Size - 7 capsules
Amount Per Serving % Daily Value*
Vitamin A (as beta-carotene) 12,500IU 250%
Vitamin B1 (thiamine) 100mg 6667%
Vitamin B2 (riboflavin) 100mg 5882%
Vitamin B3 (as niacinamide) 100mg 500%
Vitamin B6 (as pyridoxine phosphate) 100mg 5000%
Vitamin B12 (as methylcobalamin) 100mcg 1,667%
Vitamin C (as Calcium Ascorbate) 500mg 834%
Vitamin D3 (as cholecalciferol) 500IU 125%
Vitamin E (as d-alpha-tocopherol) 400IU 1333%
Folate (as folacin) 400mcg 100%
Biotin (as d-biotin) 150mcg 50%
Pantothenic Acid (as d-calcium-pantothenate) 100mg 1000%
Calcium (as AAC* and calcium ascorbate) 400mg 40%
Iodine (as kelp) 112.5mcg 75%
Magnesium (as AAC*) 200mg 50%
Zinc (as AAC*) 15mg 100%
Selenium (as AAC*) 100mcg 143%
Copper (as AAC*) 1mg 50%
Manganese (as AAC*) 7.5mg 375%
Chromium (as Chromemate™)** 200mcg 167%
Potassium (as AAC*) 50mg 1%
Boron (as AAC*) 2.5mg
Bioperine™ 5mg
Pepsin 25mg
Bromelain 25mg
Papain 25mg
Phosphatidyl Serine 50mg
PABA (para-aminobenzoic acid) 100mg
Quercetin 350mg
Phosphatidyl Choline 100mg
Inositol 100mg
Betaine HCL 100mg
Citrus Bioflavonoids 500mg
Enzyme Enhancement System (proprietary blend of protease, amylase, glucoamylase, lipase, cellulase, phytase, maltase, and sucrase) 25mg
* - AAC = Amino Acid Chelate
† Daily Value not established.
Other Ingredients: Plant-based stearic acid, vegetable capsule (plant cellulose, water)

Fueling & Usage Tips

Steve's Faves

Steve's Faves

Premium Insurance Caps

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Recovery - A Crucial Component for Success

Give yourself a major boost on race day by learning the secrets of proper recovery after exercise. Here's what to fuel with and when to restore muscle glycogen, build muscle tissue, and reduce soreness.

The Hammer Nutrition Daily Essentials Formula

The Hammer Nutrition Daily Essentials Formula

Athletes will derive exceptional benefits for both athletic performance enhancement and overall health.



In the next 10 years "Antioxidants"(AO) may occupy a place in the prescriptive pharmaceutical halls under lock and key.

Off Season Supplement Suggestions

Off Season Supplement Suggestions

Whether or not you stay active year round, when your main competitive season ends, does that also mean the end of your supplement program?

Longevity's Relationship to Genetic Signals & Antioxidants

Longevity's Relationship to Genetic Signals & Antioxidants


Humans lack the ability to make vitamin C

Humans lack the ability to make vitamin C

Humans, unlike other animals, cannot make vitamin C; we must consume it from exogenous supplements or our diet.

Micronutrient expense and repletion of RDA levels

Micronutrient expense and repletion of RDA levels

RDA levels of micronutrient substrates are suggested to prevent deficiency disease disorders.

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Product Reviews

Rated 5 out of 5 by from Insurance is the operative word. I've been using Hammer products for some time now and I cannot say enough about their products, their service, and the company itself. The Insurance Caps are a mainstay of my daily routine. I run a lot and don't always have the opportunity to eat just right. The Insurance Caps fill in the gaps and allows me to worry less about my nutrition and more about running. They give me the peace-of-mind that I am getting the vitamins and minerals I need to stay in the groove. To anyone thinking about getting Hammer products, and Insurance Caps, I would highly recommend it.
Date published: 2014-05-07
Rated 5 out of 5 by from A Great Product for Athletes and The Rest of Us! I have been using Premium Insurance Caps for 4 years now and consider them an essential part of my nutritional intake. I mountain bike about 80-90 miles a week when the weather permits (Montana) and hike, run, and weight train when it doesn't. I try to eat a healthy diet but firmly believe that Premium Insurance Caps fill in the chinks in my diet that an active lifestyle may create. My daughter, who was 2nd in state in cross country in 2012 and will be running at Notre Dame this spring also uses Premium Insurance Caps.
Date published: 2013-12-04
Rated 5 out of 5 by from PICs keep me covered! I decided to try Premium Insurance Caps several years ago. I started with the recommended dose of seven per day, (four in the morning and three in the afternoon). I soon felt the difference in my energy, strength and ability to recover after races and work outs. I also know that this supplement helps me to recovery from the everyday stresses of modern life.
Date published: 2015-11-20
Rated 5 out of 5 by from The best multi vitamin for multi day events I have been taking premium insurance caps for about 5 years and whenever I seem to miss a few days or possibly a week with business travel (forget to bring them on occasion) I always seem to end up getting a flu bug, cold, etc. Personally, when I miss them for some reason during a hectic day, my energy levels are just not the same. Moving to multi day endurance events and my favorite the Deca Ironman race (1 Ironman a day for 10 days) it's imperative for me to take extra premium insurance caps every morning. 8-9 is my normal dosage and with all the germs that cause viruses that are so common in the Deca for all athletes I know the Premium caps help in many ways to get through this tough event, but it always helps keeping me from getting sick. Interesting the first two Deca's I did before taking Premium caps this was a common occurrence - cold/flu bug, fever. The last 3 Deca's and the Triple Deca no sickness. I know it's not a placebo for sure!!! Just love them as my daily multi vitamin and never an issue with stomach problems that occur with so many on the marketplace. if you have not tried them, I highly recommend you order some to test. This year (Oct. 2015) racing in Leon, MX in the Deca Ironman through the hurricane as many athletes got sick with the cold- I had no issues and credit my daily dosage of Prem. ins. Caps and a 4th place overall finish! Thanks Hammer!!!!
Date published: 2015-11-21
Rated 3 out of 5 by from Premium Insurance Caps I purchased this product by accident, thinking I am ordering "Race Caps Supreme". Decided to try it, regardless. First thing I noticed was my BRIGHT YELLOW urine. I decided to cut back on the recommended dosage, also because some of the Vitamins are as much a 6667% !! of the daily value! So I do kind of question that. I am NOT (anymore) a hardcore competitive runner, my average mileage per week these days is about 30 miles; so I am probably not the target customer for this product.
Date published: 2014-03-22
Rated 4 out of 5 by from They don't get there due credit. I have been taking Premium Insurance Caps for over a year now, helping me motor on with my days of hard work and hard cycling. I only give them there due credit when I run out of them and my power fades.
Date published: 2014-06-25
Rated 5 out of 5 by from Great multi I've been using the Premium Insurance Caps for about three years now as a multi-vitamin. I used to use Trader-Joes brand, but they were more harsh on my system. I even went back to the TJ version to see if it was my imagination, but nope, the PIC's are much better and easier on my body. And I love the way I can take two, or 5, or 7 - it just depends on how much I'm exerting myself. I set tile for a living and it's fairly strenuous for a 51 year old body. Between setting tile and bicycle riding, the Premium Insurance Caps do a great job as a multi. Hope this helps.
Date published: 2014-07-22
Rated 5 out of 5 by from Best Daily Vitamin Ever !! This is by far the BEST daily vitamin supplement I have ever used. I like being able to spread my doses throughout the day by taking a few capsules with each meal. I also love that I can adjust the dose based on my needs and training amounts.
Date published: 2014-01-30
  • 2015-11-25T06:37CST
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