[Market-farming] Market insurance

Sue Oberle sue at oberlebotanical.com
Tue Dec 28 12:55:25 EST 2004


This is a slippery subject. In Colorado, the Farmers Markets can join 
the state assoc. & buy market insurance - but it only covers the market 
in the broadest sense. If a person falls in the middle of the market, it 
covers. If they trip over something in your stand, you're liable. Most 
of the markets within the state strongly suggest you carry your own 
insurance as well. Several won't even let you vend without proof of 
insurance.

The cheapest insurance I've found is about $350.00 for the season. Many 
of our growers were quoted prices as high as $1,200 and exclusions such 
as NO eggs or barbed wire wreaths.

It also makes finding a spot to hold a market a nightmare - everyone's 
afraid of liability. I think the bottom line is to really get the fine 
print - make sure you're covered.

Sue in Colorado
Oberle Botanical

Old Timin' wrote:

> I was wondering if any of you carry market insurance. At the farmers 
> markets you go to is it up to the individual vendors to carry it or 
> does the market itself cover all vendors under a blanket policy. What 
> kind of costs are you paying for this, and are their any companies you 
> might recommend.
> Oldtimin
>
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