Business Details
29 Years
experience
Specialized Insurance for Natural Food Industry
Kapatoes Insurance Services has been a trusted leader in the insurance industry since 1997, specializing exclusively in coverage for the natural food and vitamin sector. Our team brings over three decades of specialized expertise to retailers, distributors, manufacturers, and CBD businesses, offering tailored insurance solutions that address the unique risks of this dynamic industry. Partnering with Great American Insurance Group, an AM Best A+ rated carrier, we provide comprehensive coverage including business owners policies, product liability, cyber liability, and specialized endorsements like retail selling price protection and off-premises power loss coverage.Endorsed by the Natural Product Association, we combine industry-specific knowledge with financial strength to deliver competitive pricing and unmatched claims service. Our dedicated team works directly with clients nationwide, ensuring policies evolve with emerging trends and regulatory changes while maintaining a commitment to transparency, client education, and personalized support.
Services
Business Owners Policy
Product Liability Insurance
Cyber Liability Coverage
CBD Business Insurance
Commercial Auto Insurance
Workers Compensation
Commercial Umbrella
Directors and Officers Liability
Employment Practices Liability
Details
- Year established: 1997
Highlights and features
- 30+ years of specialized experience in natural food industry insurance
- Exclusive partnership with AM Best A+ rated Great American Insurance Group
- Endorsed by the Natural Product Association
- Unique coverage features like retail selling price protection and off-premises power loss
- Dedicated claims handling reps in every state
Associations and certifications
- AM Best A+ Superior
What people say
Understands co-ops better
Top-notch service
Dedication unmatched
Claims approved
Responsive and knowledgeable
Services
Business Owners Policy
Comprehensive coverage combining property and liability protection for natural food retailers and distributors. Includes unique features like retail selling price coverage for inventory and off-premises power loss protection. Designed specifically for the industry's evolving risks through our partnership with Great American Insurance Group.
CBD Product Liability
Specialized liability coverage for CBD manufacturers, wholesalers, and e-commerce businesses. Protects against claims related to product defects, mislabeling, or alleged health impacts. Developed to address the growing market's unique challenges while maintaining competitive pricing and comprehensive protection.
Commercial Umbrella
Excess liability protection extending beyond primary policy limits for health food industry businesses. Provides additional security against major claims with seamless integration into our core insurance programs for retailers and distributors.
Cyber Liability Insurance
Coverage addressing data breaches and cyber attacks for natural food industry businesses. Includes response support and financial protection against digital threats, specifically tailored for the sector's technology needs and regulatory requirements.
Workers Compensation
Mandatory coverage for employee injuries and illnesses with industry-specific risk assessments. Designed for natural food businesses' unique operational environments, including warehouse and retail settings, with claims management expertise in our specialized sector.
People
Mark Kapatoes
President
With over 25 years in health food insurance, Mark leads Kapatoes' strategic direction. He pioneered the partnership with Great American Insurance Group and maintains active involvement in industry associations to shape coverage solutions.
Dane Meisler
Senior Account Executive
Specializing in distributor accounts, Dane provides expert consultation on risk management. His 15+ years in the field focus on creating customized insurance solutions that balance comprehensive protection with cost efficiency.
Peter Guillette
Account Executive
Handling retailer accounts, Peter brings deep knowledge of health food store operations. He works closely with clients to ensure policies adapt to evolving industry standards and regulatory requirements.
Dawn Martin
Client Services Manager
Overseeing policy administration, Dawn ensures seamless client experiences. Her team manages policy renewals, endorsements, and day-to-day client inquiries with specialized industry knowledge.
Khrystal Quinones
Claims Specialist
Handling claims processing, Khrystal provides dedicated support for policyholders. She works to ensure timely resolutions while maintaining detailed understanding of health food industry-specific claims scenarios.
Questions
What makes Kapatoes' insurance program unique for health food stores?
Our program combines 30+ years of industry expertise with exclusive features like retail selling price coverage and off-premises power loss protection through our partnership with Great American Insurance Group.
Do you offer specialized coverage for CBD businesses?
Yes, we provide product liability insurance specifically designed for CBD manufacturers, wholesalers, and e-commerce businesses with competitive rates and comprehensive protection.
How can insurance agents partner with Kapatoes?
Agents can get appointed through our streamlined process, gaining access to exclusive programs, higher commissions, and specialized support for health food industry clients.
What types of businesses do you insure?
We specialize in coverage for health food stores, vitamin retailers, specialty grocers, food co-ops, distributors, manufacturers, and CBD businesses nationwide.
How does your claims process work?
We provide dedicated claims handling representatives in every state with industry-specific expertise to ensure fair and timely resolutions for all policyholders.
Are there group discounts available?
Yes, our program leverages collective buying power to achieve competitive pricing while maintaining tailored coverage options for individual business needs.
