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Entrepreneurship:  Farmers Markets: Do You Carry Insurance?  |
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PocketFarmgirl
True Blue Farmgirl
119 Posts
Sarah
Utica
New York
119 Posts |
 Posted - Feb 12 2007 : 8:18:04 PM
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If you're a seller at a farmer's market, do you carry insurance?
Does the market require you to? Does your state?
If you don't, why not?
If you do carry insurance, what kind? General liability, product liability, or both? Generally how much does it cost? If it's a rider on a current policy, is it home or farmowner's? Is it cheaper as a rider?
I am just looking into this, and I'm geeked out. The NY Farmer's Market organization offers it for about $350, but man. I have NO operating budget this year. Yikes!
Sorry for all the detailed questions, but I've been searching gardening and farming forums all night, and I haven't found a lot. |
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Tracey
True Blue Farmgirl
766 Posts
Tracey
State of Confusion
USA
766 Posts |
Posted - Feb 13 2007 : 12:06:56 AM
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I don't. In fact, it's difficult to get for the soap industry; although not so much for soap as lotion. Spoke with an insurance agent who's recommendation was to register my business as an LLC instead of whatever I have it as (individual ownership, something like that) because then if someone went after me they could only take the business and not my house. Said even with insurance, an LLC is the best way to go.
As for the market; I've not been to a show or market (yet) where it was required. A business license, yes, but not insurance.
Visit Quiet Storm, our adopted Mustang! http://wildaboutquietstorm.com
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PocketFarmgirl
True Blue Farmgirl
119 Posts
Sarah
Utica
New York
119 Posts |
Posted - Feb 13 2007 : 1:41:20 PM
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| Tracey, what did you have to do to get set up as an LLC? Was it expensive? |
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Tracey
True Blue Farmgirl
766 Posts
Tracey
State of Confusion
USA
766 Posts |
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Entrepreneurship: Farmers Markets: Do You Carry Insurance? |
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Farmers Markets: Do You Carry Insurance?
