{"id":50671,"date":"2019-12-31T08:00:02","date_gmt":"2019-12-31T13:00:02","guid":{"rendered":"https:\/\/www.campbellriskmanagement.com\/?p=50671"},"modified":"2019-12-31T14:09:18","modified_gmt":"2019-12-31T19:09:18","slug":"insurance-for-farmers-markets-vendors","status":"publish","type":"post","link":"https:\/\/www.campbellriskmanagement.com\/insurance-for-farmers-markets-vendors\/","title":{"rendered":"Insurance for Farmers Markets & Vendors"},"content":{"rendered":"

Understanding Farmers Market Insurance<\/span><\/h2>\n

Farmers markets are the lifeblood of a community. They are spaces where we see people building bonds and making connections. These relationships are the foundation of your community.\u00a0 Protecting your business with insurance for farmers markets and vendors is important. Knowing where to start can be overwhelming. In this post, we explain the different types of insurance and providers on the market today. We also discuss the importance of having insurance, and the consequences of not. Let’s get started.<\/p>\n

 <\/p>\n

Types of Insurance for Farmers Markets & Vendors<\/span><\/h3>\n

Understand the different types of farmers market insurance is important. You want to be certain you have the right policy in place to cover you in the event of an accident, injury, or illness.<\/span><\/p>\n

General Liability Insurance for Farmers Markets.<\/b> This protects your market from bodily injury and property damage claims. The claims regard the farmers market itself. Read more…<\/strong><\/a><\/span><\/p>\n

General and Product Liability Insurance for Farmers Market Vendors.<\/b> This insurance protects against claims from bodily injury and property damage. It also protects you from liability caused by the products or goods you sell.\u00a0 Read more…<\/strong><\/a><\/span><\/p>\n

 <\/p>\n

Why is it Normally Required for Both Markets and Vendors to Have Insurance?<\/span><\/h3>\n

You may think that it’s unnecessary to need both the market and its vendors to be insured. Let\u2019s break it down:\u00a0<\/span><\/p>\n

Farmers markets generally don\u2019t own the land where they hold their markets. Landowners need the market to provide liability insurance. They will also ask that you list them as an additional insured.\u00a0 This protects both the market and the owner from potential lawsuits.\u00a0<\/span><\/p>\n

This type of policy does not cover the vendor’s operation.\u00a0 They, too, need liability insurance of their own. As a market lists the landowner as an additional insured, vendors do the same with the market. From the landowner all the way down to the vendor, everyone is covered from bodily injury, property damage, and product liability.<\/span><\/p>\n

All interested parties involved should have a liability insurance policy in place.\u00a0 This will prevent headaches and hassle in the future.<\/span><\/p>\n

 <\/p>\n

What are the Consequences of Not<\/strong> Having Insurance for Farmers Markets?<\/span><\/h2>\n

The consequences can be serious when you don\u2019t have liability insurance. Without it, you bear full financial responsibility for claims such as:<\/span><\/b><\/p>\n