Liability Insurance

Due to increasing popularity of direct sales to the consumer from the farmers market on the farm and on the roadside stands increasing the risk for slip and fall accidents, encounters with pets, and other potential injuries associated with consumer puchasing goods directly from the vendors. Liablily insurance should be the part of every direct market business to help to reduce every possible legal and financial burdens that may arise from injury or other claim brought agaist your business. Liability insurance for farmers markets and for vendors is so important because :

• Tranfers risk of the most common claims and lawsuits to an liability insurer
• Protect businesses from property owners, customers and political claimants.
• Helps businesses to focus on risk management , food safety and good operating practice.
• Serves as a cotractual requirements to operate in the market.

Liability Insurance can be obtain from a variety of source and may provide coverage for many aspect of a business, including property and people. It is important to know what and who your insurance covers. Products and markets are both responsible for carrying insurance policy but each policy may not cover both entities.

Types of Liability Insurace Policy:

• Premises liability insurance
• Employer liability insurance
• Property damage liability insurance
• Product liability insurance
• Inland Marine
• Rain Insurance
• Liquor liability insurance
• Directors and officers insurance
• Event insurance