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Farmers market liability insurance

farmer market insurance

farmer market insurance

Farmers Market Liabilities Insurance protects your business against claims made by customers who suffer injuries at your market. It is a form of general commercial liability coverage that protects the following:

Personal injury and property damage caused to third parties while on or near your premises;

Products sold, handled or displayed in connection with your Farmers’ Markets;

Advertising materials used in promoting your Farmers’ Markets.

The policy covers you from any legal liabilities arising out of these activities. The cost of this type of insurance varies depending upon the size of your operation. Find out more about our rates on www!

Business Auto Coverage

We offer Business Auto Coverage as an optional add-on to all Commercial General Liability policies. This coverage includes physical loss/damage to vehicles owned by you or rented to you. In addition, it also covers personal auto expenses such as rental cars, fuel costs, repairs and replacement parts.

Commercial Umbrella Policy

Our Commercial Umbrella Policy offers additional liability coverage above and beyond what is provided under your existing Commercial General Liability policy. If you have multiple sites, we can provide separate umbrella policies for each location. We will work closely with you to determine which level of coverage best suits your needs.

What is vendor liability insurance?

Vendor Liability Insurance helps protect vendors working directly with farmers markets from lawsuits brought by injured patrons. Vendors are often required to carry their own workers’ compensation insurance but may not be covered if they injure someone else. Our Vendor Liability Insurance allows them to purchase additional coverage without paying higher premiums than those charged to other insures.

How does vendor risk management benefit me?

You help ensure that vendors comply with state regulations regarding worker’s compensation requirements by providing vendor liability insurance. You also reduce the chance that vendors could face costly litigation should they cause harm to others.

Why does a vendor need insurance?

If you sell goods at a farmer’s market, you must follow certain rules set forth by local governments. These include requiring vendors to obtain proper licenses and permits before selling food items. Failure to do so could result in fines and even jail time. Additionally, some states require vendors to hold public liability insurance. Without this kind of coverage, vendors would be personally liable for any damages resulting from accidents involving their goods.

Who benefits from vendor risk management?

You benefit because you don’t want to spend money defending yourself against frivolous lawsuits filed by people claiming to have been harmed by your product. And vendors benefit because they no longer have to worry about being sued after injuring another person.

​Is the vendor a liability?

Unfortunately, injuries happen every day. When they occur, victims usually file suit seeking monetary damages. While most cases settle quickly, there are times when plaintiffs decide to take on the burden of proving negligence. That means going through depositions, discovery requests, and trials. It takes up valuable resources and causes stress for everyone involved.

Does a vendor need insurance?

Yes! The law requires vendors who operate businesses out of their homes to maintain general liability insurance. However, many home-based business owners choose instead to self insure. Self-insuring involves purchasing commercial property insurance to cover losses caused by fire, theft, vandalism, windstorm damage, etc. Homeowners typically use homeowner’s insurance to cover these risks. Unfortunately, homeowners insurance doesn’t always extend to protecting vendors from claims made by customers.

Product liability insurance

What is it? Product liability insurance protects manufacturers or distributors from legal action arising from defective products sold to consumers. If an injury occurs due to using a faulty product, the manufacturer can be held responsible under strict tort laws. This includes situations where the consumer was unaware of the defect. In addition, the manufacturer might be found negligent if he failed to warn users of potential dangers associated with his product.