01
Retail-focused
Built for natural food stores, health food retailers, specialty food stores, grocery stores, and supermarkets.
A specialty program from Kapatoes + Great American
Insurance built for the business of natural food.
Give natural food stores, health food retailers, specialty food stores, grocery stores, supermarkets, and distributors to the grocery industry access to a program that understands their products, operations, and exposures.
Admitted marketDirect billBOP eligibility up to $25M sales per location
Target classesNatural food stores, health food retailers, specialty food stores, grocery stores, supermarkets, and distributors to the grocery industry
Submission basicsStandard ACORD applications, current loss runs, and the program supplemental
Carrier structureGreat American direct-bill program; not an excess and surplus lines placement
Why this program stands apart
Coverage designed around the way specialty grocers operate.
The details that matter to a health food business often sit outside a generic insurance package. This program addresses them directly.
- Spoilage claims may be valued at retail selling price, subject to policy terms.
- Coverage options for privately labeled products, including vitamins and supplementals.
- Off-premises power coverage can include transmission-line interruption.
- Program underwriting familiar with natural food, grocery, and distribution operations.
02
Distributor-ready
Available for beer, beverage, food, and other distributors to the grocery industry.
03
Product-aware
Underwriting considers private-label products, supplementals, refrigeration, spoilage, and related exposures.
One program, multiple lines
Bring the core account together.
Use the program as a home for the primary coverages a growing food business may need, subject to underwriting and state availability.
Businessowners policy
Commercial package
Workers’ compensation
Commercial auto
Umbrella
Cyber
Liquor liability
Specialty supplementals
Producer resource library
Everything you need to start a conversation.
Download the marketing overview, appointment agreement, and underwriting supplementals provided for the program.
Program marketing flyerOne-page carrier and program overview for producer conversationsPDF
Producer agreementAgency appointment agreement supplied by Kapatoes Insurance ServicesPDF
Great American supplementalOne-page underwriting supplemental for program submissionsFillable PDF
Liquor liability applicationSupplemental for applicants with alcohol sales, tasting, or delivery exposureFillable PDF
CBD sales supplementalShort questionnaire for accounts with CBD or hemp-related salesFillable PDF
Forms are provided for convenience and may be updated. Contact Kapatoes before submission to confirm current requirements and state availability.
A warmer way into the account
Lead with the strength of a buying group.
Kapatoes can help appointed producers approach INFRA members with a credible program story, prospect resources, and references from stores already insured through the program.
Get appointed
Review the producer agreement and speak with Pete about the agency onboarding process.
Request prospect support
Ask about available INFRA prospect lists, association relationships, and referral opportunities.
Submit the account
Send standard ACORD applications, current valued loss runs, and the applicable supplementals.
Producer support
Bring Pete into the conversation.
Pete Guillette can help your producers understand the program, identify good-fit prospects, and work through appointment and submission questions.
Prefer to talk? Call 860-428-7855