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New Horizons Baking Company

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Company Facts
New Horizons Baking Company • Commercial bakery · private · 1986
DBANew Horizons Baking Co

A multi-site commercial bakery headquartered in Norwalk, OH, mass-producing English muffins, soft rolls, hamburger and hot dog buns, and bagels for national quick-service restaurant brands. Founded in 1967 as West Baking Company; legally renamed New Horizons Baking Company in 1986. Family-owned since 1995 — Tilmon F. Brown acquired 100% ownership in 2014, and CEO Trina J. Bediako represents second-generation leadership.

Operates five plants across Ohio and Indiana, with a newly built high-speed Columbus facility (2955 Charter St) brought online in 2025. Primary clients are iconic national QSR brands including McDonald's, plus sandwich manufacturers, retail stores, and foodservice.

Web · company details & public filings
Records & Marvin™ Core+ Coming soon Sec. of State UCC filings Liquor licenses OFAC · restricted lists
Risk level
High
Confidence
91%
2 caution flags 3 top findings
Synthesized now · 88% defensibility

Top findings

3
Marvin AI

These are the findings that most strongly influence this snapshot's risk, confidence, and defensibility ratings.

  • Severe OSHA citation and fine. On December 16, 2025, OSHA proposed $394,849 in penalties — three repeat, nine serious, and one other-than-serious violation — for lockout/tagout and machine-guarding failures at the Columbus operation. Dominant rate driver. Repeat lockout/tagout findings signal chronic workers' comp exposure; price the WC layer accordingly.
  • Active data-breach investigation. Barnow Law has initiated a class-action data-breach investigation into New Horizons Baking Company, indicating a likely compromise of employee or corporate data. Suggested action: Verify scope before binding cyber or professional-liability layers — this pressures appetite on both.
  • Major new facility expansion. The Columbus site at 2955 Charter St is a newly constructed, single-tenant high-speed bakery brought online in early 2025 — address verified as a new, vacant-status commercial build. New total insured value and exposure basis. Confirm COPE data and updated payroll for the new plant before bind.

Why underwrite · why not

Reasons to underwrite 5 positive
✓
26-year verified domain · clean email authentication. newhorizonsbaking.com registered March 1, 1999, with proper SPF, DKIM, and DMARC on a Microsoft 365 tenant. SSL active via Google Trust Services. Established, low-fraud digital footprint; corroborates a real, long-operating entity.
marvinweb
✓
Multi-generational, single-family ownership. Family-owned and operated since 1995. Tilmon F. Brown acquired 100% ownership in 2014; CEO Trina J. Bediako represents stable second-generation leadership. Ownership continuity signal — strongest predictor of low loss-ratio in the commercial-manufacturing cohort.
marvinrecords
✓
Documented charter & rebrand history. Incorporated in 1967 as West Baking Company; formally renamed New Horizons Baking Company in 1986 under Ohio Secretary of State Charter 685943. Footprint confirmed. Long, traceable corporate lineage; the policy attaches to a verified named insured.
recordsweb
✓
Five-plant operating footprint verified across two states. Norwalk, Toledo, Fremont (IN), and two Columbus plants — each address validated, including the new 2955 Charter St high-speed facility. Confirmed scale and exposure basis; no phantom or unverifiable locations on the schedule.
marvinrecords
✓
Revenue anchored by blue-chip national QSR accounts. Supplies iconic national chains including McDonald's, plus sandwich manufacturers and retail. Assured-supply contracts underpin revenue stability. Customer concentration is investment-grade; pricing power supports renewal premiums.
web
Reasons not to 2 caution
⚠
Repeat lockout/tagout violations raise WC exposure. A $394,849 OSHA penalty (Dec 16, 2025) with 3 repeat, 9 serious, and 1 other-than-serious violation points to chronic machine-guarding and energy-control failures at the Columbus operation. Direct workers' comp loss-exposure signal; price the WC layer for repeat-offender history.
recordsweb
⚠
Open data-breach litigation pressures cyber appetite. Barnow Law has opened a class-action investigation into a suspected breach of employee or corporate data at New Horizons Baking Company. Scope and exposure not yet public. Cyber and professional-liability watch-item; verify breach scope before binding those layers.
recordsweb

Timeline · most recent signals

4

The most recent signals Marvin™ has caught on New Horizons Baking Company. Open View details for the full timeline.

06-11-26
FMCSA SAFER lookup degraded. Federal motor-carrier registry returned an HTTP 503 on this pull; DOT authority and fleet profile unverified, queued for re-pull. Data-quality axis · see Verify before bind
06-10-26
Active data-breach investigation surfaced. Barnow Law opened a class-action probe into a suspected breach of employee or corporate data. Cyber axis · feeds the caution signal in §3
12-16-25
Severe OSHA safety citation. $394,849 proposed penalty — 3 repeat, 9 serious, 1 other-than-serious — for lockout/tagout and machine-guarding failures at the Columbus operation. Enforcement axis · drives the risk verdict in §2
01-15-25
New high-speed Columbus facility online. 2955 Charter St single-tenant bakery verified as a new commercial build; expands bun-line capacity for QSR contracts. Exposure axis · new TIV + payroll to confirm

Verify before bind

4

4 items to check before binding. Each one tells you exactly what to do, how long it takes, and who does the work.

OSHA citation records for all five plants — already done. Marvin™ pulled the Columbus inspection detail automatically (3 inspections, 20 violations, $394,849 proposed) and cross-checked the other four plants for open enforcement. Completed by Marvin · 38s ago · 3 records attached
Marvin · done
Re-run the FMCSA SAFER authority lookup. The federal motor-carrier registry returned an HTTP 503 on this pull, so DOT authority and fleet size are unverified — material for a baker that runs its own distribution. Marvin can retry the SAFER query now. Takes ~30 seconds · Marvin can run this for you right now
Marvin · run
Reconcile active headcount across plants. No Form 5500 benefit-plan filing was on file, so headcount is estimated at 251–500 from the five-plant footprint. Confirm with broker-supplied payroll or a direct filing before setting the exposure basis. ~15 minutes if done manually · or pull the Form 5500 via Compliance Core+
You · check
Set up renewal-prep for 120 days out. Marvin™ re-pulls the snapshot 120 days before your renewal date — 02-22-2027 — so current data, and any new OSHA or breach activity, is in hand when renewal opens. One click to enable. Single click to enable · Marvin handles the rest
You · enable
76% Defensibility
Defensibility on this snapshot is 76% — defensible with two polish items. What does that mean? Defensibility grades whether this snapshot's verdict would hold up if a regulator, broker, or compliance lead asked Marvin to defend it. Confidence grades the verdict (89% — how sure Marvin is the read is right); defensibility grades the snapshot (76% — how well it would survive scrutiny). Both polish items live in the Verify section above. Full breakdown inside Risk verdict's View Details.

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1
A re-pull on the countdown. 120 days before your renewal date, Marvin re-runs the snapshot — same company, fresh data from all 17 sources. The standard pre-renewal window; choose 90 or 180 days if you prefer.
2
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3
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