Affordable Insurance for Small-Scale Food Processors

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:

  • Your Content Goes Here
  • 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
  • Your Content Goes Here
  • 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)
  • Your Content Goes Here
  • 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.


How do I apply?

You can contact our agent, Amanda Roberts directly here:  Email Acera Insurance.
Or contact the Small Scale Food Processor Association for more information.