Farmer Market Liability insurance protects your business from claims made against it due to injuries or property damage caused by an employee or agent while on duty at one of our events. This includes any injury that occurs during set up, tear down, transportation, storage, display or use of equipment, materials or supplies provided by you as part of your contract with us. We recommend purchasing this policy for all vendors working in proximity to customers or other employees. The cost of vendor liability insurance varies depending upon the number of people employed by a particular company. You can get detailed information about vendor liability insurance at

www.insuranks.com/farmers-market-insurance

We are pleased to offer two different types of Liability Insurance policies:

1) A “per event” policy which covers each event we host; and

2) An annual multi-event policy covering multiple events per year.

Note that these policies do not cover personal injury, medical payments, uninsured motorist benefits, nor do they provide protection for third party liabilities such as products sold by you. If you have questions regarding the type of policy best suited for your needs, please contact us today.

Farmers Market Safety Tips

  • Always wear proper footwear when walking around the Farmers’ Market area.
  • Be aware of traffic patterns before entering the parking lot.
  • Keep children under age 12 within arm’s reach at all times
  • Do not leave valuables unattended.
  • Never enter the Farmers’ Market without first checking the weather forecast.
  • Avoid areas where there may be large crowds.
  • Use extreme caution near moving vehicles.
  • When using public transit, always check schedules prior to departure.
  • Stay alert! Watch out for bicycles, skateboards, rollerblades, scooters, pets, etc.
  • Report suspicious activity immediately to police officers stationed throughout the Farmers’ Market.
  • Remember, safety comes first!

Safety Guidelines For Vendors & Customers

  • Children should never play alone.
  • Adults must supervise children at all times.
  • Parents should keep their children away from food stands until they finish eating.
  • All vendors must comply with USDA guidelines for handling produce.
  • Food handlers must wash hands thoroughly after preparing food
  • No smoking inside the Farmers’ Market.

The Farmers’ Market reserves the right to refuse service to anyone deemed inappropriate.

Types of Insurance

Here are some common types of insurance.

Premises Liability Insurance:

Protects businesses from lawsuits resulting from accidents occurring on their premises. It is important to understand that Premises Liability does NOT protect you if someone slips and falls on your sidewalk. In order to recover damages in slip and fall cases, you need Personal Injury Protection. PIP provides compensation for bodily injury sustained by accident victims regardless of fault.

 Commercial Auto Coverage: 

Provides protection for automobiles used in connection with your business.

Employer’s Liability Insurance: 

This form of liability insurance pays workers’ compensation benefits to injured employees. Employer’s Liability also helps pay legal fees incurred defending yourself against a lawsuit brought by an injured worker.

Workers Compensation Insurance:

Pays medical expenses and lost wages to injured workers. Workers Comp only applies to employers with more than five full-time equivalent employees.

Commercial General Liability Insurance:

Covers property damage caused by accidental fire or explosion; Liability arising from the ownership, maintenance, use of auto, recreational vehicles, trailers, farm machinery, construction equipment, tools, work clothing or other similar items; and liability arising from operations performed by others. This protects you from claims made by customers who suffer injuries due to a defective product.

Product Liability Insurance

Coverage for products manufactured, sold, handled or distributed by you. If a client suffers personal injury or property damage due to a defect in your product, this type of policy will help cover any costs associated with the claim.

Rain Insurance: 

Rain insurance protects you when it rains during the event. Rain can cause serious problems such as flooding, mudslides, erosion, and loss of merchandise.

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