Great American Insurance Group’s Alternative Markets Division has announced an expanded collaboration with PAK Programs, a leading provider of specialty insurance solutions for the craft beverage sector. Together, they have introduced Coffee PAK, a comprehensive insurance program crafted exclusively for coffee businesses — from neighborhood cafes and artisan roasters to wholesalers and select tea operations.
The new program delivers end-to-end protection and proactive risk management tools tailored to the distinct needs of modern coffee enterprises. In an industry where craftsmanship, equipment precision, and safety are vital, Coffee PAK offers business owners the peace of mind that comes with knowing their livelihood is well protected.
A Specialized Program for a Dynamic Industry
Coffee PAK is more than a traditional insurance policy — it is a specialized, all-lines solution designed to address the complexities of today’s coffee business environment. The program offers coverage that extends beyond standard property and liability insurance, encompassing areas such as equipment breakdown, product contamination, business interruption, and employee safety.
One of the hallmarks of Coffee PAK is its focus on risk prevention and loss control. By integrating advanced technologies and practical resources, the program helps coffee operators prevent issues before they occur. Included in the package are tools like:
- iRAD™ Drone Inspections: A cutting-edge service that allows for detailed inspections of facilities, roofs, and property perimeters to identify potential risks before they escalate.
- Thermal Imaging: Used to detect electrical or mechanical issues early, reducing the likelihood of equipment failure or fire hazards.
- Interactive Coverage Resources: Easy-to-use tools and educational content that help coffee business owners understand their coverage, identify risks, and implement safety protocols effectively.
These proactive measures make Coffee PAK not just an insurance solution, but a partner in operational resilience and business continuity.
Protecting Independent Cafes, Roasters, and Tea Operators
“For independent cafes, coffee roasters, select tea operations and the like, having the proper insurance coverage in place is critical to the success of their operation,” said Jennifer Burnham, Divisional Vice President of Great American Alternative Markets. “Coffee PAK offers broad eligibility in 45 states, helping those businesses to rest easy knowing their operations are protected.”
Independent coffee businesses face a range of risks — from fire and theft to equipment damage, spoilage, and employee injury. Many small operators lack the scale to absorb such losses, which makes reliable, industry-specific insurance essential. Coffee PAK bridges that gap, offering customized coverage options that reflect the nuances of how coffee businesses operate day-to-day.
With the U.S. coffee market valued at more than $100 billion and independent coffee shops continuing to grow despite economic challenges, tailored insurance solutions like Coffee PAK are increasingly necessary. These businesses often combine retail, production, and distribution elements under one roof — creating unique exposures that generic commercial policies fail to adequately address.
By recognizing these challenges, Great American Insurance Group and PAK Programs have developed a solution that meets real-world needs with precision and flexibility.
A Collaboration Rooted in Expertise
The partnership between Great American Insurance Group and PAK Programs is grounded in mutual strengths. PAK Programs brings more than 25 years of experience serving the craft beverage sector, offering deep knowledge of the risks and operational realities faced by breweries, wineries, distilleries, and now, coffee producers.
This expertise is backed by the financial stability and carrier strength of Great American Insurance Company, which holds an “A+” (Superior) rating from AM Best — one of the highest ratings in the industry. This rating reflects Great American’s long-standing commitment to policyholder security, claims reliability, and financial stewardship.
Together, the two organizations combine specialized market insight with industry-leading financial protection, delivering an unmatched insurance experience for the coffee sector.
Since 2000, Great American’s dedicated claims team has supported beverage and specialty market clients, ensuring that when incidents occur, businesses receive prompt and knowledgeable assistance. This claims support is a cornerstone of the Coffee PAK promise — offering responsive, industry-informed service when it matters most.
A Broker-Friendly Solution
Another key feature of Coffee PAK is its broker-friendly format. The program has been designed with ease of submission and accessibility in mind, ensuring that agents and brokers can quickly provide their clients with accurate quotes and efficient service.
Licensed agents and brokers can submit ACORD and supplemental applications directly through the program, streamlining the underwriting process. This approach reflects Great American’s broader commitment to making specialized insurance coverage more accessible for small and mid-sized businesses through its Alternative Markets Division.
For brokers, Coffee PAK represents an opportunity to expand their offerings to a rapidly growing sector — one that includes over 38,000 coffee shops across the United States, plus thousands of roasting operations and wholesalers. By partnering with Great American and PAK Programs, brokers can provide clients with a product that combines tailored protection, cutting-edge risk management, and trusted financial backing.
Supporting the Growth of Specialty Coffee Businesses
The launch of Coffee PAK comes at a time when the coffee industry is evolving rapidly. Specialty coffee consumption continues to rise, and consumer demand for high-quality, ethically sourced products has never been greater. Alongside this growth, coffee businesses are investing more heavily in advanced roasting equipment, automation, and sustainability — all of which bring new insurance and risk management considerations.
Coffee PAK helps business owners navigate these challenges with confidence. Whether protecting a local cafe’s espresso machines, a roaster’s inventory, or a wholesaler’s distribution center, the program delivers comprehensive protection that evolves alongside the industry.
Furthermore, the inclusion of innovative technologies like drone inspections and thermal imaging underscores the program’s commitment to modernization and prevention — reducing potential downtime, financial loss, and operational disruptions.
A Shared Vision for Industry Advancement
The collaboration between Great American Insurance Group and PAK Programs represents a shared vision: to empower small and mid-sized beverage businesses with the tools and security they need to thrive.
“Coffee PAK is a natural extension of our mission to support craft and specialty beverage producers,” said a PAK Programs spokesperson. “By focusing on proactive protection and leveraging Great American’s strength, we can help coffee businesses stay resilient and grow sustainably.”
From the corner cafe that fuels its community every morning to the regional roaster supplying beans nationwide, Coffee PAK delivers a new standard of protection for those who make coffee culture possible.
Source Link:https://www.businesswire.com/
