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Cooperative

Quick Quote

We currently insure over 70 Natural Food Cooperatives throughout the USA. Although we would prefer a direct relationship we recognize that most Coop’s want to do business on a local basis and some are actually obligated to work with a local insurance agency. Please have your agent call us and we will be happy to work with him or her to provide our unique insurance policy to your store.

1st Advantage
Retail Selling Price

Most Health Food stores have a higher value attached to their refrigerated products than a grocery store. We are offering an extension of coverage to include valuing refrigerated products at Retail Selling Price at the time of a loss versus a Wholesale valuation.


2nd Advantage
Inclusion of Private Relabeled Products

The inclusion of coverage for Privately Labeled and Relabeled Products under the liability section of our policy. Almost all insurance policies of our competitors EXCLUDE coverage for these products. Ask your agent if you specifically have coverage under your current insurance policy for privately labeled products. With the rise of popularity by stores to develop their own Brand name, this becomes a key coverage for health food stores involved in this endeavor. We understand that Kava Kava isn’t an island.


3rd Advantage
Inclusion of Off Premises Power Losses with Power Transmission Lines

With the number of unusual storms over the past years, specifically in the Eastern United States, we have found that extending coverage for Off-Premises power events, to include the downing of power transmission lines, it is a vital coverage for our stores to have. We feel it is imperative that the store owner choose this option to protect themselves for events that could trigger Business Interruption and Inventory losses. The other advantage is that the store will have their refrigerated losses paid for at Retail Selling Price in the event of this type of loss.


4th Advantage
Claims Experience

Since 1997 we have paid over 3,996 claims totaling $18,000,000+. We believe we have a “one of a kind” understanding of claims as they relate to a Health Food store.

With claims representatives located in every state we are able to offer a local contact to our insured’s to make sure that they are contacted immediately and have someone from their area helping them out through the process. “Local Service on a National basis”

Disclaimer: Great American Insurance Group, 301 E Fourth Street, Cincinnati, OH 45202. Coverage is summarized. Refer to the actual policy for a full description of applicable terms, conditions, limits and exclusions. Policies are underwritten by Great American Insurance Company, an authorized insurer in all 50 states and D.C.