Exclusive Insurance Program:
For Health Food Stores, Vitamin Stores,
Specialty Grocery Stores, & Food Co-ops

Tailored products to address the industry’s unique risks.

 Get Appointed with Us

Insurance Protection for Retailers

At Kapatoes Insurance Services, we specialize in insuring the natural food and vitamin industry with an exclusive program that addresses our clients’ exposures.

Our goal is for retailers to be risk ready and protected, and over the years, we’ve evolved our program with innovative product features to meet emerging challenges. We closely monitor the industry, new offerings, and regulatory changes that may impact our clients’ risk to ensure our program continues to respond.

With our partner, Great American Insurance Group, one of the nation’s leading insurers, we aim to exceed our insureds’ expectations with unique product features, competitive pricing, and unparalleled claims service.

Our experience and expertise, together with the financial stability and impeccable reputation of Great American, allow us to deliver a program and claims service second to none for the natural food and vitamin industry.

Our Retail Clients

Health Food Stores

We provide tailored coverages for the more than 1,000 health food stores in our program.

INFRA Members

We currently insure more than 20% of all Independent Natural Food Retailers Association (INFRA) members. We recognize these are larger stores requiring a broader breadth of coverage.

Natural Food Co-ops

We currently insure more than 100+ natural food cooperatives throughout the U.S., and work with their local agents to provide coverage. We can also insure start-ups just breaking into this dynamic and growing industry.

GNC & Vitamin Stores

We work with GNC corporate risk management on a weekly basis to ensure your insurance policy is in full compliance with the extensive insurance requirements of the company.

Our Insurance Program

We provide a full portfolio of business insurance products in our program: Business Owners Policy, Package, Commercial Umbrella, Workers’ Compensation, Commercial Auto, and Cyber Liability. Our program also includes several unique product features:

  • Coverage for food spoilage claims at the retail selling price, instead of wholesale
  • Product Liability coverage products relabeled with store brand
  • Business Interruption coverage for utility services, including overhead transmission lines
  • Point-of-sales Systems coverage

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.