Farmers markets: What kind of insurance do I need?
Insurance for vendors
But what would happen if a customer got sick from something you sold? Even careful farmers can end up with a listeria outbreak or other contamination. Food borne illnesses can be serious, and medical expenses add up quickly.
Product liability insurance protects you as an individual, should you get sued. With the right coverage, your customers will be able to get the medical attention they need — and you won’t risk losing the farm!
Talk to your agent about selling your produce and other goods so they can help you with general liability and product liability coverage. Getting the right insurance might be easier than you think.
If you’re a farmer selling fruits or vegetables at a roadside stand or farmers market, you likely already have a farm liability policy. Farm liability policies often have language specific to when product liability is covered and when it is not. Talk to your agent to find out if your policy has limitations.
Insurance for organizers
This insurance is not intended, however, to extend coverage to your vendors or their customers. That’s why it’s a good idea to require vendors carry their own insurance that includes product liability. If you don’t require proof of insurance, you put your own organization at risk. As added protection, you should require each vendor to name your organization as an additional insured on their policy.
With these tips, you're sure to reap the full harvest of benefits from selling your produce and goods.
Delayed flights and lost luggage often headline the list of concerns for travelers, but they are minor inconveniences compared to severe illness, missing prescriptions, or serious injury away from home.
The time to prepare for sickness is before germs hit your team. Illnesses can happen anytime, but flu season generally peaks between December and February, although it can stretch from October through May. Consider how you canprevent an outbreak and how you can respond quickly to limit the impact and costs to your business.
When Jenny VanDeHei left for college to study business, she thought she had picked her last stone and fed her last calf. She loved the family farm she grew up on, but she saw her future as an accountant, in an office building in the city, far from the country fresh smell of cow manure.
When you’re born into a farm family, on the job training begins the moment you can walk. You learn quickly where it’s safe to play, not to startle the animals, and that there’s always a way you can help – no matter your age. Curt Weis, Manager – Farm and Agribusiness Training, can attest to this because he earned his keep by working on his family’s farm right up until he left for college.
Patti Lemke, Sr. Agribusiness Underwriter, spent her entire young life living and working on a farm. Her parents owned and operated a small farm in Eden, Wis. that milked 65 cows in a stanchion barn, and she worked on a large dairy farm that milked 700 head from the time she was 14 until she left for college.