This is a sharing from the Michigan Farmers market Association listserv but is very relevant to small farms and liability insurance so thought you may be interested.
303 Natural Resources Bldg
C.S. Mott Group
Dept of CARRS
East Lansing, MI 48824
www.MichiganOrganic.msu.edu for information on organic and sustaianable farming and news & events
Our homeowners insurance carries a rider that covers our "hobby farm". It insures my produce as a vendor at both the market and roadside, covers liability for my husbands antique tractors at tractor shows, covers any liability for my livestock (horses). The company is The Cincinnati Insurance Companies in (you guessed it...) Cincinnati, OH. I think the rider is only about $75 annually.
Farmers Market general liability coverage is available through Advanced Insurance Markets in Holt, MI 517/699-0467. The company that issues the policy is Westfield Insurance.
Sounds to me like you need a rider on your homeowners, if your current provider offers it.
Nature's Best Farmers Market
serving Oscoda County
----- Original Message -----
From: [log in to unmask]">mark smiley
Sent: Tuesday, April 20, 2010 10:51 PM
Subject: Farmer needs referral for insurance.
Dear Farmers Market Listserve Members:
I am going to sell produce at farmer markets, a roadside stand, and directly for the first time this year. I do not have insurance that covers produce sales. Can anyone give me the name of an insurance company that writes that type of coverage?
I also seem to remember seeing in a prior listserve message that there is a source for insurance that was put together by the farmers market association. Am I remembering that correctly?
Your help is greatly appreciated.
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