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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 Advice such as "you can get all the nutrients you need from your food" is hopelessly outdated and the consistent use of a multivitamin/mineral supplement is essential.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
Proprietary Enzyme Blend (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

Recovery - A Crucial Component for Success

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 A necessity! These multi vitamins are a no brainer. Finally, vitamins based on Optimal Daily Intake, instead of Usda minimal recommendations. Anyone involved in endurance events needs the optimal dosage, otherwise your training is for nothing. I have used these for years, and split my dosage into 2 parts, so it is always in me. If you are not sure of your optimal dosage, call arep and describe your training schedule. They are very helpful !! I take 2 every morning, and 4-7 in the evening, depending on the workout.
Date published: 2014-06-17
Rated 5 out of 5 by from Help me feel fresh everyday! I use these during triathlon training when I am pushing my body through two-a-day workouts. I notice that I feel fresh each day and, when combined with Recoverite, experience less soreness. I also was able to stave off sickness through the winter, even after finishing a marathon and being around sick people at work the next day! (which is my worst nightmare btw). I really like these and feel they are a good value. I don't take 7 a day, more like 2 to 3 (after meals) and still feel excellent results.
Date published: 2016-04-20
Rated 5 out of 5 by from I've Never Felt Better I am not sure if they actually work, or if it's a placebo effect. All I know is that ever since I've been taking them, I have never felt tired on a run and my workouts have all been better than the past
Date published: 2014-02-02
Rated 5 out of 5 by from Best Multi Vitamin out there! I tried Premium Insurance Caps a few years as I was looking for something a little easier on my stomach than the typical multivitamins you would get at the drug store and they blew me away. I felt amazing and didn't have any stomach distress. I've been using them along with the Daily Essentials kits for years now and wouldn't go back. I've increased my performance on the bike and in they gym as well as at work, since I almost never get sick anymore. Hammer products are amazing!
Date published: 2016-02-28
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 5 out of 5 by from Fills the gaps without the junk! This product is excellent! As a pro triathlete maintIning a full time job and my own business, sleep is often sacrificed and sometimes my nutrition is off a bit as well. Premium insurance caps really fill the gaps, I managed to not get sick all season! Also, I have a ton of nasty food allergies and it's very hard for me to find supplements that contain none of them so I'm glad I'm able to take these. Hooray!
Date published: 2015-11-19
Rated 4 out of 5 by from Solid product As a multi-vitamin for an endurance athlete, PICs definitely do the job. They're made with all the right stuff and, although I can't directly relate this, I really haven't been sick since I started talking these (roughly 3-4 years). Taking 7 a day, as suggested, seems excessive so I found that 4 per day was right for me. If you're looking for the best multi-vitamin supplement, look no further.
Date published: 2014-08-13
Rated 4 out of 5 by from Premium Insurance Caps I knew that my daily diet was not giving me all of the essential nutrients that I needed. I have been using Rocoverite and Heed for about a year so I knew that Hammer Nutrition made great supplements. I decided to purchase one small bottle about two weeks ago and give them a try. I was very impressed with the product not to mention the great customer follow up from the Hammer team.
Date published: 2013-12-24
Rated 5 out of 5 by from A Daily Essential For Pushing to The Limits As a Hammer Nutrition Athlete I can't say enough how Premium Insurance Caps have kept me allergy free and my whole body well. I have raced more and trained more this year than the previous. Last year I was constantly getting sick. At time I was having a runny nose and watery eyes. I can now push myself to my limits one day while racing or training and be recovered by the next day.
Date published: 2014-08-25
Rated 5 out of 5 by from Fills the nutrition gaps where you need it As a busy working athlete, it's hard to get in appropriate nutrition. Thankfully I have been using the Premium Insurance Caps to help close the gaps in my nutrition so I can make sure my body is getting what it needs to continue to train at my healthiest, and also to maintain a healthy body in the off-season. I'd recommend them to anyone looking for a good supplement.
Date published: 2015-11-24
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 Excellent performance product I have tried out many different multivitamins geared toward active athletes and only this one provided me with a noticeable return. The dosing works out great too so you have sustained release all day and as needed, depending on your workouts. Plus, the "Made in USA" stamp is great to see on the bottle.
Date published: 2014-11-07
Rated 5 out of 5 by from I have been a long time Hammer customer and became convinced of the value and quality of hammer products after a prostate biopsy which came back negative, but started using the PSA supplements with noticeable improvement. I just started using Premium Insurance Caps with the same expectations.
Date published: 2015-08-22
Rated 5 out of 5 by from Lots of energy After riding a total of 4000 miles last year - at 65 yrs old I was exhausted. I took 5 weeks off and was still tired - that is until I started using Premium Insurance Caps. After 10 days my energy is back and I'm looking forward to another 4000 miles or more this year!
Date published: 2014-04-01
Rated 5 out of 5 by from Excellent, high quality product Been using these fir several years now and very happy withy the quality. I have recently realized how effective they are in the evening for recovery. Now splitting my dose between morning and late evening, with additionals in the evening ion very heavy ride days.
Date published: 2014-10-03
Rated 5 out of 5 by from You can't get a better product anywhere! Jen K. directed me to this product. I have used Hammer before and regret not continuing. However, they are so good they may keep you performing when in fact like myself I had a blown thyroid. Did not realize till my nutrition was so poor it was obvious.
Date published: 2016-03-08
Rated 5 out of 5 by from Keeping me healthy! I'm working 10-11 hour days with many people around me suffering from colds, or flu. I am certain that the strong formulation of the Premium Insurance Caps is keeping me healthy and energized for my stressful days and my restorative training sessions.
Date published: 2016-11-17
Rated 5 out of 5 by from Love this product! Hammer Nutrition Premium Insurance Caps are a part of my daily routine because they're specifically formulated for endurance athletes. I've tried a lot of other daily multivitamins, but none of them perform as well as these. I highly recommend them!
Date published: 2015-11-20
Rated 5 out of 5 by from Better than any multi-vitamin! I use these as my daily multi-vitamin...I am under 150 pounds, so take 4/day. This is a great value as well. I like taking a daily supplement with athletic considerations rather than just a general daily vitamin. These are a must have in my opinion!
Date published: 2015-11-21
Rated 5 out of 5 by from A key supplement for everyday use I use this daily after training, I feel good, I rarely get sick and I perform at a high level using this. I am a professional triathlete and I only use Hammer products and supplements because I want to know I am giving myself the best :)
Date published: 2015-11-20
Rated 5 out of 5 by from Awesome supplement My wife, who has a rare form of MS, use this as her basic supplement to her diet. For me it is the basic foundation for my training. We both find it more than adequate for keeping up our nutritional requirements. It rocks!
Date published: 2016-11-12
Rated 5 out of 5 by from Good Product This is a great capsule that I take daily. I have been using these for years and they provide me all the supplements that I need. I am an endurance athlete and never had any cramps or issues using Hammer products.
Date published: 2015-11-25
Rated 5 out of 5 by from Energy levels are off the charts! I can always tell when I'm not taking my Premium Insurance caps, I have zero stamina. Just a day or two of being back on them and I feel much more alert and able to complete the day with a surplus of energy!
Date published: 2014-06-02
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 Perfect Multivitamin Why leave to chance if you meet your daily vitamin and mineral requirements? Elite athletes shouldn't miss any aspect of their training or nutrition so top up your stores with this daily multivitamin!
Date published: 2015-11-25
Rated 5 out of 5 by from I have been using Premium Insurance Caps for many years love the product. Easy to take, great absorption to fuel your body with the rest of the Hammer products Try it you'll love it. Aloha, Rich
Date published: 2014-12-06
Rated 5 out of 5 by from my daily essential i have been using PIC for years now and am convinced they are a big part of my longevity in the endurance world...we all know we beat ourselves up, I believe this product helps me to rebuild!
Date published: 2015-11-23
Rated 5 out of 5 by from As expected - awesome! Premium Insurance Caps are the perfect addition to the stable of supplements from HAMMER. Add this one to your must have list as an endurance athlete - you will notice the difference.
Date published: 2014-11-22
Rated 4 out of 5 by from Supplements I've used the Premium Insurance Caps for several years now and I do notice a difference in my overall health and performance when I'm taking them vs when I'm out of my supply.
Date published: 2015-11-02
Rated 5 out of 5 by from It works I have been using Premium Insurance Caps off and on for years. It is the only multi - vitamin product I have found that I can actually tell a difference in my overall health.
Date published: 2014-02-28
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