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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 Advice such as "you can get all the nutrients you need from your food" is hopelessly outdated and the consistent use of a multivitamin/mineral supplement is essential.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
Servings per Container - 30
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)

Nutrition & Usage Tips

Steve's Faves

Steve's Faves

Premium Insurance Caps

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Recovery - A Crucial Component for Success

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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 Great multivitamin for endurance athletes I started using this about six months ago and have felt a difference in my general health and recovery from endurance training.
Date published: 2014-12-07
Rated 5 out of 5 by from GREAT PRODUCT I like supplements where I can feel the difference in energy and performance levels. This is one product where I truly can.
Date published: 2014-12-07
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 Bought these on a recommendation from a trusted friend/athlete. Amazing results! Love the energy I get for the workouts I'm not too excited about!
Date published: 2014-11-26
Rated 5 out of 5 by from Great everyday supplement I have used Insurance caps for years and have always been satisfied and surprised at the results they have given me in training racing and every day life.
Date published: 2014-11-22
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 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 A Multi-Vitamin/Mineral for Endurance Athletes I have used this product on and off and I can definitely tell the difference it makes on my recovery. It allows me to spring out of bed feeling re-charged
Date published: 2014-10-27
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 Great Product I have been using Premium Insurance Caps for several years. Help me stay on top my game as a father of three, husband and cyclist.
Date published: 2014-10-03
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 great product i burn the candle frequently due to swim coaching, training for ironman's, and o yeah having to work a 40 hour week as a mechanic, for years I struggled with catching every virus that went around the swim team and it became very frustrating. started using prem insur caps last year and went through last winter cold free and had a great training cycle leading into finishing ironman lake placid.i definitely feel this product help build my immunity and have started my family on using this product regularly. thx for such a quality product
Date published: 2014-08-24
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 5 out of 5 by from allow me to work and work out without fatigue and no stomach upset like some other daily supplements
Date published: 2014-07-24
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 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 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 Daily Essential I have been using Premium Insurance Caps for years. I think it was the first Hammer product that I ever bought! PICs are an ideal multivitamin for anyone.
Date published: 2014-06-06
Rated 5 out of 5 by from Great product! I've been using Premium Insurance Caps for years. I work on the road and really helps to fill the gaps in my nutritional needs. They are easy on the stomach unlike others.
Date published: 2014-06-05
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 5 out of 5 by from Great Product. I recently ran out for a few day because I didn't reorder soon enough. I definetly noticed a BIG difference . I won't make that mistake again. Thanks Hammer
Date published: 2014-05-24
Rated 5 out of 5 by from Feeling stronger I've been using Premium Insurance Caps for a month. I have been very pleased with the results...more strength and drive. I will place another order.
Date published: 2014-05-09
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 4 out of 5 by from Great Product They work as stated. I felt less fatigue between hard workouts. I will buy again.
Date published: 2014-05-01
Rated 5 out of 5 by from I use premium insurance caps every day to enhance my body performance. Great product to add for health and wellbeing.
Date published: 2014-04-30
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 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 5 out of 5 by from Great daily vitamin Started using these while deployed and they definitely help keep you healthy and feeling good.
Date published: 2014-03-12
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
Rated 5 out of 5 by from Premium insurance caps Excellent product. Switched from hard formed vitamin to these and love the results. No after taste or vitamin burps.
Date published: 2014-02-19
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