Return to the Market Gardener Forum | Post a Follow-Up

Liability Insurance

Posted by insurance (My Page) on
Tue, Sep 21, 10 at 15:03

Many have asked about this and now a smart insurance company has finally put together an insurance program for all types of farmers markets vendors! The program provides the vendors with group rates for $1,000,000 in general and product liability per occurrence with a $2,000,000 annual aggregate limit and a zero deductible. This will cover the vendors while at all markets that they participate in. Note that there is no limit on the number of markets in which you can participate. The only requirement is that all such markets must be listed on your application for coverage to be provided. The cost of the policy is $350 per year for vendors that generate less than $100,000 total annual sales at the markets listed. For those vendors that generate in excess of $100,000 in annual sales, the cost of the policy will increase at a rate of approximately $5 per thousand of sales.
Premiums are paid annually and once coverage is extended, the premium is fully earned and non-refundable. Coverage is provided by an A rated insurance company.
The policy will also name the market as an additional insured so that in the event of a product liability or general liability suit where both parties are named, the market is covered.
Visit their website for more information and vendor insurance applications, or call or email the person below for more information.

Larry Spilker
Campbell Risk Management
800-730-7475 ext 203

Follow-Up Postings:

RE: Liability Insurance

My insurance rates are less than that with the same coverages. Definitely shop around.

RE: Liability Insurance

Mine too but than I own a farm and the liability is a rider on my farm insurance policy and it is well under $200 a year. When I rented, liability insurance would have run me, if I had any, around $1000 a year.

 o Post a Follow-Up

Please Note: Only registered members are able to post messages to this forum.

    If you are a member, please log in.

    If you aren't yet a member, join now!

Return to the Market Gardener Forum

Information about Posting

  • You must be logged in to post a message. Once you are logged in, a posting window will appear at the bottom of the messages. If you are not a member, please register for an account.
  • Please review our Rules of Play before posting.
  • Posting is a two-step process. Once you have composed your message, you will be taken to the preview page. You will then have a chance to review your post, make changes and upload photos.
  • After posting your message, you may need to refresh the forum page in order to see it.
  • Before posting copyrighted material, please read about Copyright and Fair Use.
  • We have a strict no-advertising policy!
  • If you would like to practice posting or uploading photos, please visit our Test forum.
  • If you need assistance, please Contact Us and we will be happy to help.

Learn more about in-text links on this page here