market-farming AT lists.ibiblio.org
Subject: Market Farming
List archive
- From: "Gary & Sarah Rowland" <hcf AT moment.net>
- To: "Market Farming" <market-farming AT franklin.oit.unc.edu>
- Subject: Re: liability insurance
- Date: Fri, 16 Feb 2001 16:13:52 -0600
The Farmers Market policy covers the FM and is for such things as someone
being injured by a blown over tent. Not for someone becoming ill from food
products. It is in the price range you mentioned $150-$200.
We personaly are covered by a Commercial Liability for sales of our farm
produceand sales of jam, jelly and pestos. We have a $1,000,000 limit.and
the premium for this year is $302.00.
Gary
From: <mckemie AT inetport.com>
To: Market Farming <market-farming AT franklin.oit.unc.edu>
Sent: Friday, February 16, 2001 12:15 PM
Subject: [market-farming] Re: liability insurance
> Here in Texas, we have a state-wide organization of farmers market
> associations that exists in large part to supply low cost liability
> insurance to the member associations. The cost depends on the number
> of members of each association, but, as I recall it is in the range
> of $125-$200 per association per year. Each association may operate
> multiple markets.
>
> I'm not sure, but I don't think it covers product liability, but
> accidents occurring at the market site. The amount? I don't recall,
> several hundred K? I believe Gary Rowland is up on this, perhaps he
> will respond.
>
> I no longer do any significant amount of pick-your-own, so I no longer
> worry about not having farm liability insurance. Quite a few years
> ago, I priced it at one insurance company and found the cost to be
> prohibitive for the level of my sales. Something like $500-$800 to
> cover my $10K in sales; or in the range of 10%. I did un-insured
> pick-your-own for many years with no threat of claims.
>
> There has been some talk in the last year or so of grocery store
> customers wanting their suppliers to have product liability insurance,
> but no one has forced me to get that either. I understand that
> suppliers that want to establish a new vendor relationship with a
> grocery store chain are likely be asked for proof of product liability
> insurance.
>
> From general chit-chat with other truck farmers, I get the impression
> that many insurance companies do not want to fool with farm insurance;
> OTOH, there are some that do. Your task is to find the latter.
>
> I must say here that I am opposed to buying insurance of ANY type
> simply because of the low benefit/cost ratio; insurance companies
> generally pay out for claims about 1/2 of what they take in for
> premiums. And having insurance encourages spurious claims.
>
> --
> Onward! Through the Fog!
> Willie
> http://austinfarm.org/homegrown
>
> ---
> You are currently subscribed to market-farming as: hcf AT moment.net
> To unsubscribe send a blank email to
leave-market-farming AT franklin.oit.unc.edu
> Get the list FAQ at: http://www.marketfarming.net/mflistfaq.htm
-
liability insurance,
Joan Vibert, 02/16/2001
- <Possible follow-up(s)>
- Re: liability insurance, nan and stewart, 02/16/2001
- Re: liability insurance, Del Williams, 02/16/2001
- Re: liability insurance, Bill & Linda Barry, 02/16/2001
- Re: liability insurance, mckemie, 02/16/2001
- Re: liability insurance, Joan Vibert, 02/16/2001
- Re: liability insurance, Del Williams, 02/16/2001
- Re: liability insurance, Peg Cook, 02/16/2001
- Re: liability insurance, Gary & Sarah Rowland, 02/16/2001
- Re: liability insurance, Joan Vibert, 02/16/2001
Archive powered by MHonArc 2.6.24.