Farmers Market Insurance
Set up shop at any farmers market and know that you’re covered with insurance.
Vendors Covered by FLIP
FLIP’s insurance liability insurance for farmers market vendors is created to best fit your business needs.
Beverages & Concessions
Protect your homemade lemonade business in ten minutes or less through our farmers market insurance and completely online quote process.
Farmers
Insurance for farmers’ markets helps protect your fresh produce and wallet from the expensive cost of claims.
Fresh Fruit & Vegetable Vendors
We’ll help you take care of your business quickly and reliably through our fresh farmers’ market insurance policies.
Home-Based Baker
Inland marine insurance can help protect the equipment that makes your delicious homemade treats.
Homemade Pet Treats
Don’t forget Fido and enjoy free, unlimited additional insureds.
Specialty Food Vendors
Protect your business from the costly threat of claims with general liability insurance and rest easy knowing your funnel cake business is covered.
We cover more farmers market vendors than those listed above. See more industries
What is Farmers Market Insurance?
Insurance for farmers’ markets protects homemade food vendors, farmers, and food stands from third-party claims that might arise from their participation in a farmers’ market. Covered claims may include slip and fall accidents, illnesses caused by food products, or equipment loss.
Farmers’ market insurance from FLIP, includes general liability insurance, product liability insurance, personal business property/inland marine insurance, and damage to premises rented insurance. On top of that, it can be purchased 100% online meaning you can get comprehensive farmers market insurance now in 10 minutes or less.
How Much Does Farmers Market Liability Insurance Cost?
A basic farmers market insurance policy from FLIP starts at $299 per year or $25.92 per month. However, there are additional coverage options that you can add to customize your policy. As a farmers market vendor, you may wish to increase your business personal property coverage amounts or add professional liability coverage for example.
You may also need an endorsements such as a food trailer endorsement if you haul or sell your products from a trailer. It is important to note that adding these additional coverages or higher limits will raise the price of the annual policy.
Do I Need Farmers Market Insurance to Sell at a Market?
Yes. When you operate at a farmers market, you are liable if injuries, illnesses, or damages happen due to your business operations.
For example, if a customer gets sick from your food or if somebody trips and falls over your booth and is injured, you could be held responsible. Claims from unfortunate incidents like these can easily wipe out your business and personal finances and cause your business to close.
In addition, many farmers’ markets and organizers require all food vendors and farmers to carry them as additional insureds to protect them from your liability. Liability insurance for farmers’ markets can give you increased professionalism and credibility as well as protect your business.
Let's Talk About Numbers for Food Vendor Liability Insurance
Farmers Market Insurance Coverage Details
General Liability
Limit Per Policy: $2M
General liability insurance can provide protection for third-party bodily injury and property damage claims. A general liability claim could look like a customer who while browsing your stand, trips over a power cord and cuts their hand on the corner of your booth. Because they tripped on your business equipment, you are held liable.
Product Liability
Limit Per Policy: $2M
Product liability insurance for farmers’ markets can protect you from the expensive cost of related claims. Product liability claims can look like a customer suing you for not properly preparing your food after they got food poisoning from your food. A claim like this could cost you thousands of dollars in bills and fees. Product liability insurance can mitigate or even eliminate those out-of-pocket costs.
Tools & Equipment
Limit Per Policy: $10K
In the case that your equipment is damaged or stolen having food liability insurance with FLIP provides protection to help with the cost of replacing or repairing damaged or stolen business/personal property.
Damage to Premises Rented
Limit Per Policy: $300K
If you attend several different farmers’ markets and rent different booth spaces, you could accidentally cause damage to the rented event space. No matter how careful you are, accidents happen. For example, if a fire happens in your rented space and causes damage you could be held liable. However, liability insurance for farmers’ markets can cover premises rented to you – protecting you and your business.
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Coverage Details Limits
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Liability Deductible
NO DEDUCTIBLE
Business Personal Property\ Inland Marine Limit (Any One Article/ Aggregate)
$5,000/$10,000
Business Personal Property\ Inland Marine Limit (Per Occurrence) – Deductible
$250
Have Questions? We're On It.
The food trailer endorsement only covers liability incidents when the trailer is detached and parked. If you are towing or transporting the food trailer, make sure your vehicle’s auto policy covers the trailer. Personal auto insurance may not cover your food trailer if you are using your personal vehicle for business purposes. Also, some auto policies may exclude trailers that have license plates or vehicle identification numbers (VIN).
An additional insured is a person or organization not automatically included as an insured under an insurance policy and who is included or added as an insured under the policy at the request of the named insured.
For example, one or more of the farmers’ markets that you are a vendor at could request to be listed as an additional insured on your policy. This will help protect them in case of an incident regarding your liability at their event. With a FLIP farmers market insurance policy, you receive free, unlimited additional insureds. You can add as many as you need in minutes through your online portal.
FLIP provides affordable farmers’ market vendor insurance for several reasons.
- Our agents do not make commission on helping you protect your business.
- Our quote and purchase process is completely online, giving you the option to work with an agent only if you want to.
- FLIP is a part of a Risk Purchasing Group, also known as an RPG. The idea of an RPG is to manage, identify, and analyze risk. It’s created for a specific group of people who have the same risk. In FLIP’s case, food businesses. This saves you money because an RPG creates a lower premium and has individual limits.
- With FLIP, you also have the option of building your own policy. You choose your limits and coverages, allowing you to only pay for what you need. Nothing more, nothing less.
