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Product Liability Insurance

3K views 5 replies 5 participants last post by  FLIP 
#1 ·
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 · (Edited)
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! :eek:

Contact this alternative venue, "PEORIA FARMERS MARKET at Metro Center" to see if they also have this insurance requirement:
http://shopmetrocentre.com/ai1ec_event/peoria-farmers-market-2013/?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 ....

.
 
#4 ·
Contact this alternative venue, "PEORIA FARMERS MARKET at Metro Center" to see if they also have this insurance requirement:
http://shopmetrocentre.com/ai1ec_event/peoria-farmers-market-2013/?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.
 
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