What is the role of St. Paul Fire and Marine Insurance Company in relation to 7 Brew?
7_Brew Franchise · 2025 FDDAnswer from 2025 FDD Document
KNOW ALL MEN BY THESE PRESENTS: That Travelers Casualty and Surety Company of America, Travelers Casualty and Surety Company, and St. Paul Fire and Marine Insurance Company are corporations duly organized under the laws of the State of Connecticut (herein collectively called the "Companies"), and that the Companies do hereby make, constitute and appoint Desiree E. Westmoreland of WICHITA, Kansas, their true and lawful Attorney(s)-in-Fact to sign, execute, seal and acknowledge any and all bonds, recognizances, conditional undertakings and other writings obligatory in the nature thereof on behalf of the Companies in their business of guaranteeing the fidelity of persons, guaranteeing the performance of contracts and executing or guaranteeing bonds and undertakings required or permitted in any actions or proceedings allowed by law.
IN WITNESS WHEREOF, the Companies have caused this instrument to be signed, and their corporate seals to be hereto affixed, this 21st day of April, 2021.
State of Connecticut
City of Hartford ss.
By: Robert L. Raney, Senior Vice President
On this the 21st day of April, 2021, before me personally appeared Robert L. Raney, who acknowledged himself to be the Senior Vice President of each of the Companies, and that he, as such, being authorized so to do, executed the foregoing instrument for the purposes therein contained by signing on behalf of said Companies by himself as a duly authorized officer.
IN WITNESS WHEREOF, I hereunto set my hand and official seal.
My Commission expires the 30th day of June, 2026
Source: Item 22 — CONTRACTS (FDD pages 82–83)
What This Means (2025 FDD)
According to 7 Brew's 2025 Franchise Disclosure Document, St. Paul Fire and Marine Insurance Company, along with Travelers Casualty and Surety Company of America and Travelers Casualty and Surety Company, holds the role of granting power of attorney to Desiree E. Westmoreland. This power of attorney allows Ms. Westmoreland to act on behalf of these insurance companies. Specifically, she is authorized to sign, execute, seal, and acknowledge bonds, recognizances, conditional undertakings, and other obligatory writings.
This authorization extends to guaranteeing the fidelity of persons, ensuring contract performance, and executing or guaranteeing bonds and undertakings required or permitted by law. This indicates that St. Paul Fire and Marine Insurance Company is involved in providing surety and guarantee services, which may be relevant to 7 Brew franchisees in certain contexts.
The document indicates that this power of attorney was granted on April 21, 2021, with Robert L. Raney, Senior Vice President, acting on behalf of the insurance companies. Anna P. Nowik, a Notary Public, attested to the execution of the document, with her commission expiring on June 30, 2026. While the document itself doesn't specify the exact scenarios in which a 7 Brew franchisee might encounter these surety services, it establishes a formal relationship between the insurance company and an attorney-in-fact authorized to act on its behalf.