Kapatoes Insurance Services (Kapatoes) is a niche insurance agency exclusively representing the vitamin and natural food industry with our select insurance partner Great American Insurance Group. Since we do not represent any other industry group, we remain committed to our friends in the vitamin and natural food industry.
Beginning in 1997, with the aid of Steven Townsend of United Natural Foods, we established a specialized insurance program solely for health food and vitamin stores. By focusing on these two groups, we were able to leverage the buying power of the warehouse and bring retailers volume discounts. In the last two decades, our insurance program has substantially grown.
We provide insurance solutions for health food stores, vitamin stores, and others in the health food industry.
By providing a reliable commercial insurance plan, we work to financially prepare and protect your business. Kapatoes has tweaked insurance coverage over the years and recognizes the special exposures and characteristics of supermarkets, health food and grocery stores, along with natural food co-ops.
Retail selling price, private relabeled products, and over twenty years of claims experience are just a few of the advantages of our insurance products.
We insure thousands of retail health food stores nationwide which gives us a unique understanding of the products sold in these stores. With this knowledge in mind, Kapatoes is able to provide you comprehensive insurance plans at reasonable rates.
With a constantly shifting product liability insurance market and excessively high rates based on sales, we arm our distributors and manufacturers with a knowledge of audit features and specific coverages created for your industry. The bottom line is insurance costs and we assist you with knowing exactly where to find the exact coverage you need. Coverage highlights include:
- Limited Prop 65 coverage
- Minimal ingredient exclusions
- Product recall expense
- Reimbursements for overestimation of sales
- Room for growth on audited sales