Exclusive Insurance Program for the
Natural Food & Vitamin Industry

Great carrier, great products, great service, and great pricing.

 Get Appointed with Us

A Fresh Approach to Insurance Protection for Retailers & Distributors

Kapatoes Insurance Services, the Health Food Insurance Group, offers an exclusive program with top-tier insurer Great American Insurance Group for retailers and distributors in the natural food and vitamin industry.

With our program, businesses receive tailored coverages specific to their needs and the industry. Our more than 30 years of experience in the industry sector has enabled us to address existing and emerging trends with coverage solutions and features unique to our program. 

With Great American as our exclusive partner, agents are able to provide products unavailable elsewhere, and health food stores, vitamin stores, specialty grocery stores, and food co-ops nationwide know they are getting the protection they require to operate in an evolving landscape.

From providing protection for inventory damage to product liability claims, business interruption due to power loss, and other exposures, we put coverage in place that responds.

Why Kapatoes, The Health Food Insurance Group?


Serving the Natural Food & Vitamin Industry Since 1997;
Insuring a Few Thousand Retail Health Food, Vitamin, Grocery Stores, and Distributors
Close to $10 Million in Claims Paid

Exclusive Program

With Great American an AM Best Rated A+ Superior Carrier

Industry Endorsement

Program Endorsed by the
Natural Product Association

Unique Coverage Features

Retail Selling Price, Inclusion of
Private Labeling Products and Off-Premises
Power Loss with Overhead Transmission Lines

Competitive Pricing

The Backing of Thousands of Stores/Distributors
Enables Us to Achieve Great Pricing Discount as Group

Claims Handling

Reps in Every State for Claims
Management & Resolutions

CBD Insurance: Product Liability

Kapatoes also provides a unique program that includes product liability insurance to businesses involved in the processing, manufacturing, and selling of ingestible or topical products with CBD.

Learn more


Agents & Brokers: Get Appointed
with Us

Insurance agents interested in expanding their footprint in the ever-growing natural food and vitamin industry and grocery distribution have an opportunity to partner with us and our exclusive program with Great American.

Learn more

What Our Clients Are Saying

I’ve worked with insurance companies all over the country and nobody understands co-ops better. We’re so glad to have Dane and the team’s expertise and top-notch service.

GM, Sugar Beat Food Co-Op

Our relationship with Kapatoes Insurance has now spanned almost two decades. Their dedication, diligence, follow-through, and customer service are unmatched in the industry. We ONLY recommend Kapatoes for everyone’s insurance needs.

CEO of Roots Market

When it comes to working with insurance issues and claims it can be a bit overwhelming, but working with the wonderful Kapatoes team of Great American Insurance Company has been a tremendous help. We recently went through a claims process that was initially denied. Because of Dane’s experienced advice we kept pursuing other avenues until we got the specific information needed from the refrigeration company we were dealing with. Dane and Nicole knew just how to advise us and to follow through as needed to get the claim approved and processed. They knew it would take time but that it was not worth giving up on. Thanks to them the check is going to the bank tomorrow!

Vera Foronda, Finance Manager
Mariposa Food Co-op

Our agency contacted Kapatoes Insurance Services to quote a fruit and vegetable wholesaler. Dane Meisler contacted me immediately to respond to my inquiry. I found Dane to be very responsive and knowledgeable of his product.  Our insured was a little bit outside of the normal box and Dane worked with us to make a good fit in both product and pricing. It was a real pleasure to work with someone who truly knows his market. I would highly recommend Kapatoes Insurance Services for your distributor needs.

Soucy Insurance Agency, Inc.