| I live in a town of 2,000 in far N. CA., in an area that is economically depressed, and the house lots are tiny. There are no CGs here, and the Growers Market typically has fewer than 6 vendors.
There is a vacant lot across the street from me that is probably 100 x 100, something like that. The owner is willing to talk about the idea of a CG, but has already mentioned 'liability insurance' as one of his concerns.
Realistically, we probably will not be able to assemble more than 6 dedicated gardeners for the initial year, and it's likely that most of them will be gardening out of financial need, as much as hobby.
Is getting each person to sign a 'hold harmless' waiver enough of a substitution for an insurance policy? Does anyone know of a good resource for a cheap basic policy? We are starting from scratch: $500 a year will probably derail the project before it even gets started.
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