Farmers Market Insurance
Set up shop at any farmers market and know that you’re covered with insurance.
Farmers Market Vendors Covered by FLIP
FLIP’s 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
Protect your fresh produce with insurance that shields you 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 for vendors.
Home-Based Baker
Inland marine insurance can help protect the equipment that makes your delicious homemade treats.
Homemade Pet Treats
Don’t forget Fido! Enjoy free, unlimited additional insureds with our insurance for markets.
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 additional 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.
FLIP’s farmers market insurance policy includes these essential coverages to protect you from the most common claims you could face:
On top of it all, you can buy farmers market insurance 100% online in 10 minutes or less with our convenient, no-hassle application.
How Much Does Farmers Market Vendor 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, including:
- Cyber Liability: Designed to cover the costs associated with phishing, data breaches, or other cyberattacks
- Cost: $8.25/month
- Food Trailer Endorsement (exclusively offered by FLIP): Extends the general liability coverage of your base FLIP policy to your food trailer when it’s parked and detached
- Cost: $12.50/month
- Professional Liability: Can cover the cost of claims stemming from your professional services
- Cost: $10.42/month
- Tools and Equipment (Inland Marine): Designed to cover stolen or damaged business gear and equipment you transport from one location to another
- Cost: Starts at $8.25/month
- Workers Compensation: Provides replacement for lost wages and medical benefits to your employees if they experience a work-related injury or illness, as required by your state
- Cost: Varies depending on your state, business type, number of employees, and other factors
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 endorsement 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.
An annual FLIP policy not only saves you money in the long run, but it’s also ideal if you sell at year-round markets.
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 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 Farmers Market Liability Insurance
Farmers Market Insurance Coverage Details
General Liability
Aggregate Limit: $2 Million
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
Aggregate Limit: $2 Million
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 and Equipment
Aggregate Limit: $10,000
Your bakery equipment is expensive. Protect it in case it is stolen or damaged with Tools and Equipment coverage.
Damage to Premises Rented
Aggregate Limit: $300,000
If you rent a space such as a commercial kitchen or event booth, this coverage will protect you from the cost of property damage claims. Many event organizers and property owners will require you to list them as an additional insured before you rent a space, which is why FLIP offers you unlimited additional insureds at no extra cost.
Why Food Vendors Choose Us
Here's what other people have to say about their experience from over 312+ available reviews.
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
Medical Expense Limit
$5,000
Learn More About Farmers Market Insurance
FAQs About Farmers Market Insurance
What Does Food Trailer Insurance Cover For Farmers Markets?
What Is An Additional Insured For Farmers Market Vendors?
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.
Why Is FLIP The Cheapest Farmers Market Insurance?
FLIP provides affordable farmers market vendor insurance for several reasons.
- Our agents do not make a commission for 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 purpose 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.
