Farmers Market Insurance

TechGuy · July 14, 2017

I am looking for insurance options. I want to sell at the local farmers market but insurance options are limiited. NC State Farm Bureau Insurance says they will not insure if all your insurance is not with them. Nationwide will not insure if you have not had insurance with someone else first.

I am starting to look at online options like
http://www.campbellriskmanagement.co...rket-insurance

If you have insurance, what company do you use? What is your policy type and price?

Black Krim · January 29, 2018

wow. no replies.

Cole_Robbie · January 29, 2018

I think all of my family's insurance is through Country Companies. We have a farm policy, which covers the liability for all food produced, regardless of where we sell it. That may be a type of homeowner's policy; I'm not sure. I think that would be an important detail to inquire about, if your market policy only covers sales that occur at the market.

My Foot Smells · January 30, 2018

insurance for what exactly?

does it cover if someone trips over your booth or a cord?

someone "claims" they got poisoned?

hot pepper did permanent psychological damage?

Man, you just can't hardly do business with the general public anymore. My neighbor slipped and fell in a Wal-Mart and it is their fault? got a lawyer and sued. She is on so much prescription dope, I'm amazed that she can even walk.

90% of the lawyers are in the usa and I think 1 in 4 people in d.c. are lawyers. do we need that many lawyers......... I think not.

brownrexx · January 30, 2018

You really need to have liability insurance anytime you deal with the public. It's sad but someone always wants to sue about something.

The attached link shows Farmer's Market insurance for $275/yr. but add that to the cost of the market space and that's a lot of tomato's to sell before even earning a penny.

clkeiper · January 30, 2018

we are covered at our one market via the umbrella policy of our " sponser" organization. I also carry on my homeowners for selling and it was pretty cheap.. I worry as I really don't know exactly what they would cover if I needed it.

BigVanVader · January 30, 2018

Same here, umbrella coverage. If your serious about selling file paperwork for a LLC then you are protected.

Cole_Robbie · January 30, 2018

Just to clarify what Van said, you are more protected with a valid LLC, yes, but you still have to carry adequate insurance.

NisiNJ · February 1, 2018

Quote:

Originally Posted by brownrexx

You really need to have liability insurance anytime you deal with the public. It's sad but someone always wants to sue about something.

The attached link shows Farmer's Market insurance for $275/yr. but add that to the cost of the market space and that's a lot of tomato's to sell before even earning a penny.

Sorry, but I don't see any link....?

brownrexx · February 1, 2018

I mean the link attached by the first poster.

July 14, 2017	#1
TechGuy Tomatovillian™ Join Date: Mar 2017 Location: Pinehurst North Carolina USA Posts: 31	Farmers Market Insurance I am looking for insurance options. I want to sell at the local farmers market but insurance options are limiited. NC State Farm Bureau Insurance says they will not insure if all your insurance is not with them. Nationwide will not insure if you have not had insurance with someone else first. I am starting to look at online options like http://www.campbellriskmanagement.co...rket-insurance If you have insurance, what company do you use? What is your policy type and price?

January 30, 2018	#6
clkeiper Tomatovillian™ Join Date: Nov 2011 Location: ohio Posts: 4,350	we are covered at our one market via the umbrella policy of our " sponser" organization. I also carry on my homeowners for selling and it was pretty cheap.. I worry as I really don't know exactly what they would cover if I needed it. __________________ carolyn k Last edited by clkeiper; January 30, 2018 at 10:25 AM.

January 29, 2018	#2
Black Krim Tomatovillian™ Join Date: Dec 2016 Location: New England Posts: 661	wow. no replies.

January 29, 2018	#3
Cole_Robbie Tomatovillian™ Join Date: Jun 2012 Location: Illinois, zone 6 Posts: 8,407	I think all of my family's insurance is through Country Companies. We have a farm policy, which covers the liability for all food produced, regardless of where we sell it. That may be a type of homeowner's policy; I'm not sure. I think that would be an important detail to inquire about, if your market policy only covers sales that occur at the market.

January 30, 2018	#4
My Foot Smells Tomatovillian™ Join Date: Jun 2015 Location: Pulaski County, Arkansas Posts: 1,239	insurance for what exactly? does it cover if someone trips over your booth or a cord? someone "claims" they got poisoned? hot pepper did permanent psychological damage? Man, you just can't hardly do business with the general public anymore. My neighbor slipped and fell in a Wal-Mart and it is their fault? got a lawyer and sued. She is on so much prescription dope, I'm amazed that she can even walk. 90% of the lawyers are in the usa and I think 1 in 4 people in d.c. are lawyers. do we need that many lawyers......... I think not.

January 30, 2018	#5
brownrexx Tomatovillian™ Join Date: Feb 2016 Location: Southeastern PA Posts: 1,420	You really need to have liability insurance anytime you deal with the public. It's sad but someone always wants to sue about something. The attached link shows Farmer's Market insurance for $275/yr. but add that to the cost of the market space and that's a lot of tomato's to sell before even earning a penny.

January 30, 2018	#7
BigVanVader Tomatovillian™ Join Date: Mar 2014 Location: Greenville, South Carolina Posts: 3,099	Same here, umbrella coverage. If your serious about selling file paperwork for a LLC then you are protected.

February 1, 2018	#10
brownrexx Tomatovillian™ Join Date: Feb 2016 Location: Southeastern PA Posts: 1,420	I mean the link attached by the first poster.