Affordable Insurance for Small-Scale Processors
Affordable Insurance for Small-Scale Processors
Below is a description of affordable insurance coverage for food processors through the Small Scale Food Processor Association with a link to Acera Insurance (formerly CapriCMW).
Affordable Insurance Program
Who is eligible?
Program is for members of the Small Scale Food Processors Association located in Canada covering the following operations:
Animal Feed – Pet Food
Bakery Type Items (cookies; cakes; pastries, etc.)
Beverages – Non Alcoholic (fruit juice; cider; etc.)
Canning – Preserving – Pickling (fruit; vegetables; jams & jellies; condiments; chutneys; spreads; sauces; dried fruits & vegetables; etc.)
Coffee – Tea – Spices – Soup Mix Processing
Confectionery – Cocoa – Chocolate
Dairy Products (milk; cream; cheese; eggs; honey; creameries; ice cream; yogurt; cheese cake; etc.)
Fresh Food Processing (pasta; seafood – smoking/canning; stocks; etc.)
Frozen Food Processing (meat; fish; seafood; fruit; vegetables; etc.)
Fruits – Herbs – Treenut – Vegetables (fresh & processed)
Grain & Grain Products (flour; cereal; biscotti; pasta; breads; etc.)
Meat Processing & Sales (usually organic; slaughtered in Federally and/or Provincially licensed abattoir; CFIA inspected carcasses are cut and wrapped only; meat may be made into sausages, pepperoni, salami, jerky, pre-made hamburgers and similar type products)
Oils
Snack Foods (trail mix; nuts; lentils, fruit chips; tortilla chips; salsa, popcorn; pizza; dehydrated fruits & vegetables; dips; etc.)
Sugar – Syrup – Molasses
Vinegar Distilling
Workshops; Speaking Engagements; Kiosk at Trade Shows, Fairs, Exhibitions, Farmers Markets, etc.
What coverage is available?
$5,000,000. Commercial General Liability ($1,000. Bodily Injury/Property Damage Deductible)
Liability coverage includes the following extensions:
No General Aggregate
Occurrence Property Damage
Broad Form Property Damage
Products /Completed Operations
Non-Owned Automobile
$1,000,000 Tenant Legal Liability
$1,000,000 Limited Pollution Sub-Limit
Advertising Injury
Contingent Employers Liability
Employees as Additional Insureds
Incidental Medical Malpractice
SEF 94 ($50,000 Limit; $1,000 deductible)
$1,000,000 Forest Fire Fighting
Products Recall ($25,000 any one claim/$25,000 annual aggregate)
Personal Injury
Cross Liability
Blanket Contractual
Attached Machinery
SEF 96 / SEF 99
$1,000,000 Employee Benefits
Medical Payments ($5,000 per person/$25,000 per occurrence)
Property coverage is now available as an option.
Why might I not be eligible? No one insurance program is able to provide the best terms for every possible activity. Some aspects of your operation may require separate arrangements. If for any reason you do not qualify, you will be notified and alternative terms may be available.
