Purchase farmers market insurance to protect your business from loss. Farmers Market Insurance is a great way to ensure the success of your farm stand, and it can be purchased as an add-on policy or in conjunction with other policies you already have. Contact us today!
Farmers Market Insurance Policy Options:
Add on Farm Stand Coverage
This coverage protects against losses due to theft, fire, windstorm, hail, vandalism, animals, etc., that occur at the location where you sell products. It also covers any damage caused by customers who are not authorized, vendors. The cost per year varies depending upon how many locations you operate.
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Business Income Protection
BIP protects if you cannot make all sales during the season because of illness, injury, weather conditions, etc. You may receive payment up to 90 days after the end of each month’s selling period.
Business Auto & Property Damage Liability
BADL pays claims when someone else causes property damage while using one of your vehicles. If you have more than one vehicle, this option will cover them all.
Commercial General Liability
CGL insures you against liability from bodily injuries and property damages resulting from accidents involving your products or services.
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Worker’s Compensation
Worker’s compensation benefits pay medical expenses and lost wages incurred by employees injured on the job. This benefit does not apply to independent contractors.
Employment Practices Liability
Suppose you provide employment-related advice or training. In that case, EPLI helps protect you from lawsuits filed by former employees alleging discrimination, harassment, retaliation, wrongful termination, defamation, libel, slander, invasion of privacy, intentional infliction of emotional distress, negligent hiring, supervision, retention, or education.
Professional Indemnity
PI indemnifies you against legal fees and costs associated with defending yourself against third party actions brought by others claiming your negligence harmed them.
Property Loss Replacement Cost
PLRC replaces damaged inventory only. PLRC does NOT replace destroyed inventory.
Product Recall
Recall coverage reimburses you for product recalls. Product recall reimbursement includes labor, materials, transportation, storage, handling charges, advertising, promotion, display, and overhead.
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Environmental Cleanup
ECU pays cleanup costs for environmental contamination. ECU does not reimburse for cleanups performed by another company.
Equipment Breakdown Reimbursement
EBR pays for repairs made necessary by equipment breakdowns. Equipment breakdown reimbursement includes labor, parts, material, rental, travel, storage, handling charges and administrative expenses.
How does Insurance For Farmer Market Work?
Insurance For Farmer Market works like this…
You purchase a policy through our agency. We then issue you a quote based on information provided by you about your operation. Once we get your application approved, we issue a certificate of insurance that states that you are insured under the policy terms. Your agent keeps track of your account, so he knows what premiums need to be paid. He sends monthly statements showing premium payments and deductibles owed. The amount due is deducted from any checks issued to you.
What Are My Premium Payments Based On?
Your premium payments depend upon how many policies you have in force at any given time. Each year, Farmers offers discounts to those who insure multiple lines of business. These discounts can save you money!
Who Is Covered Under my Policy?
You are covered as long as you meet the following requirements:
1) You own all of the lands where your farm stands;
2) All buildings used exclusively for farming operations are located on the premises;
3) No other person owns an interest in the real estate or buildings;
4) You operate the farm as a sole proprietorship ;
5) You do not sell produce directly to consumers;
6) You do not use rented facilities such as packing sheds, cold rooms, etc.;
Cheap Business Insurance Near Me
Business insurance is a must-have, but it can be expensive. We’ve compiled the best business insurance quotes from top providers to help you find cheap business insurance near me and save money on your policy!
Insurance Quotes For Farmers Markets
We have gathered some of our favourite farmers market vendors in one place to all together under one roof. These businesses offer great products at affordable prices, and we want them to stay around as long as possible.
Compare Farmers Market Insurance Quotes
If you’re looking for cheap business insurance near me, we can help! We have access to hundreds of different carriers who offer great rates and policies. Just enter in your zip code above and let us do all the work for you! Our goal at www.insuranks.com/farmers-market-insurance is to make finding an inexpensive commercial insurance plan easy so you don’t have to spend hours searching through websites trying to find the best deal.
Farmers market insurance designed to protect your business
We understand that running a successful farmers market is not just about selling products; it’s also about building relationships with customers and community members. That’s why we’ve created Farmers Market Business Insurance specifically for the unique needs of this industry. We know you have many expenses associated with operating a farmers market, including:
Renting space or purchasing land
Hiring staff
Purchasing equipment such as tables, chairs, coolers, etc.
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