Food and Vitamins
Click on the food and vitamin business categories below to see detailed descriptions of pre-qualified businesses.
Bakeries
Operations where baking (breads, cakes, cookies, pies, rolls, doughnuts, dog treats, etc.) is actually performed on the Insured’s premises. This class includes the delivery of baked items. Some bakeries may also sell decorating materials. Coffee services and/or catering operations are not eligible under this class. We do not provide coverage for autos or trailers under our program. Sale of pretzels is not eligible under this class — please refer to the hot dog/pretzel vendor class.
Beverage Vendor
Preparing and selling of cold and hot non-alcoholic beverages.
Candy/Nut Confections
Merchandise includes caramelized/spiced nuts, popcorn, cotton candy, shaved ice vendors, sweet tea, hard sugar candies, creams, jellies, nougats, marshmallows, fudge, caramels, licorice, chocolates, chocolate-coated candies and other novelty candies. Candies are sold on premises, in vending machines, through fund raisers, via mail order, at trade show and fairs. Sale of ice cream and perishable foods are not eligible under this class — please refer to dessert vendor, hot dog/pretzel vendor, or beverage vendor classes.
Dessert Vendor
Preparation and sale of dessert items such as funnel cake, elephant ears, fried dough, churros. Sale of dip-n-dots and ice cream. Sale of other dessert items provided that when purchased by the applicant they were already packaged for retail sale and they remain sealed in the original packaging. Homemade ice-cream is not eligible.
Dry Food Products/Mixes Vendor
Merchandise includes hot chocolate, cake mixes, seasonings, and teas. Normally prepackaged products are combined into gift baskets or resold individually. No repackaging, sale, or distribution of dietetic products, infant formulas and milk products allowed in the classification.
Representatives and distributors of A Sandy Clough Tea, Access Ventures (dba Swiss Colony Occasions), Homemade Gourmet Inc., Inspired Aroma, Inc. Just Add Guests, Purely Gourmet LLC., Taste of Gourmet, Tastefully Simple Inc., UCAN2 Infotainment Inc. dba UCAN2 Cook!, Victorian epicure Inc., Wildtree Herbs Inc. and XanGo LLC., are eligible operations for this classification.
Food Broker
The middle man who brokers the purchase of a variety of food items from a manufacturer to be delivered directly to the client. The broker does not physically sell food, have possession of the food or keep an inventory. Soda vending machines are acceptable under this class. Food distributors are not eligible under this class.
Representatives and distributors of Market Day Gourmet and Two Sisters Gourmet are eligible operations for this classification.
Food/Product Demonstrator
Consists of individuals preparing and serving samples of foods at supermarkets or demonstrating samples of personal care products at malls/retail locations. They may only demonstrate these foods/products. They may not manufacture, sell, or guarantee any foods/products. Medicinal products, wellness products, weight loss products, and magnetic items are not eligible for demonstrations/samples.
Food Supplements/Vitamins*
Merchandise would be similar to that sold in health food stores and may include: vitamins, supplements, herbs, health snack foods, cereals, soy-based products, beverages and sports supplements, etc. The following are not eligible under this class or within the HBI program: diabetic supplies; medicinal products; wellness products; weight loss products; magnetic items; Shaklee, Herbalife, Nikken and similar related distributors; Pet Food/supplements/vitamins.
Representatives and distributors of Amkey Inc., CocoaLife LP, ForeverGreen International, FreeLife International, Gano Excel USA Inc., Global Health Trax, Jeunique International Inc., Livinity Inc., MonaVie Inc., NSA, New Vision USA Inc., Oasis LifeSciences, Reliv International Inc., Seaborne LLC., Stem Tech HealthSciences Inc. and The Limu Company LLC. are eligible operations for this classification.
Hot Dog/Pretzel Vendor
Sale of hot dogs, corn dogs or pretzels. Applicant may also sell other foods provided that when purchased by the applicant they were already packaged for retail sale and they remain sealed in the original packaging. No other products allowed under this class.
Note: Food Contamination and Selected Products Exclusion will be attached to all policies written for this class.
Wedding Cake and/or Cookie Sales
Consists of baking wedding cakes and/or cookies. Baking is performed on the insured’s premises. Cakes will be delivered to the event. Coffee services are not eligible under this class.
*NOTE – IN STATES WHERE APPROVED: Communicable Disease Exclusion will be attached to all policies written for this class.
