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  1. #1
    Join Date
    Feb 2012
    Location
    East Peoria, IL
    Posts
    398

    Default Product Liability Insurance

    I've got 6 hives I'm going to be pulling honey off soon and have been asked to sell at the new Farmer's Market in town. Great, sounds good to me. Until they mentioned I needed product liability insurance and started calling around. Country Companies which is affiliated with the Farm Bureau wouldn't even quote it stating that they would also have to have liability insurance for the bees too which aren't on my property. We already insure our vehicles and have a renters insurance policy through them. I'm waiting on a couple other places to get back with me but one wanted to know how much experience I had extracting and bottling honey (practically none) and the agent I talked to said it would be in the $400-600 range. How HECK am I supposed to sell a relatively small amount of honey if I have to pay that much for insurance and still be competitive. What a buzzkill (pun intended)!

    Who do you go through to get product liability insurance?

  2. #2
    Join Date
    Nov 2011
    Location
    Rader, Greene County, Tennessee, USA
    Posts
    5,694

    Default Re: Product Liability Insurance

    I don't have a solution to the product liability insurance issue.

    I did have a hard time believing that a farmers market actually had this rule, so I went looking for it in print. Here is the website for the Peoria IL Riverside Market:
    http://www.peoriariverfront.com/?section=15

    If you download their "rules and regulations" (see link at the bottom of their main page), you can see that they actually do require such insurance!

    Contact this alternative venue, "PEORIA FARMERS MARKET at Metro Center" to see if they also have this insurance requirement:
    http://shopmetrocentre.com/ai1ec_eve...3/?instance_id

    You may find that they have more reasonable rules!

    If you still want to pursue selling at the Riverside Market location, perhaps visit with some of the vendors there and see how they deal with this issue ....

    .
    Last edited by Rader Sidetrack; 06-27-2013 at 04:15 PM. Reason: add alternative market info
    Graham
    --- Victor Hugo - "Common sense is in spite of, not the result of, education.

  3. #3
    Join Date
    May 2013
    Location
    Mclean Illinois
    Posts
    28

    Default Re: Product Liability Insurance

    pssst, come over to Bloomington.

  4. #4
    Join Date
    Feb 2012
    Location
    East Peoria, IL
    Posts
    398

    Default Re: Product Liability Insurance

    Quote Originally Posted by Rader Sidetrack View Post

    Contact this alternative venue, "PEORIA FARMERS MARKET at Metro Center" to see if they also have this insurance requirement:
    http://shopmetrocentre.com/ai1ec_eve...3/?instance_id

    You may find that they have more reasonable rules!
    The Metro Centre market has a problem with vendors selling wholesale produce and other products that were not grown locally. People only go there for cheap, not local or high quality.

    Most of the other local markets follow the protocol or the biggest and most successful market on the Riverfront including all their asinine rules.

  5. #5
    Join Date
    Oct 2011
    Location
    Robesonia, Pa., USofA
    Posts
    437

    Default Re: Product Liability Insurance

    I had a similar problem.
    Near the end of this link are two people you can contact for coverage:
    http://www.beesource.com/forums/show...nsurance/page2

  6. #6
    Join Date
    Jul 2013
    Location
    Pleasant Grove, UT
    Posts
    1

    Default Re: Product Liability Insurance

    That is a great question. I work for a company called http://www.fliprogram.com/ and we provide product liability insurance for all sorts of food vendors. If you notice however, our prices are much more reasonable. Check us out and call us if you have any additional questions. Hopefully this will save you some money!

    http://www.fliprogram.com/

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