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inshuranceLiability Insurance Intro 

Commercial General Liability insurance is a major budget item for farmers and markets. But it is something that everyone needs to protect their farm, the market and its sponsors in case of a lawsuit. The Farmers Market Federation of NY has contracted with insurance companies to provide access to affordable insurance to all members. The program is available to both farmers markets and the farmers and vendors participating in farmers markets.


ANNOUNCEMENT: For the 2014-2015 year, the Federation will be switching to Campbell Risk Management as our Federation-sponsored and farmers market vendor policy.

Our application form for this insurance is here: Apply Online.

For certificate requests - email the request to:  This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Here is some information about the new policy and what this switch will mean for you and for the Federation:

 

Campbell Risk Management currently provides the Federation’s market insurance and their vendor insurance program offers several advantages over our current arrangement with Travelers: 

 

  1. Coverage for meats, fish, and livestock products will be included as well as pre-prepared food items – there’s even an option to cover onsite cooking.

  2. The new policy runs from your requested effective date to one year later - with Travelers, we all had the April 1st to March 31st schedule which was not convenient for many. 

  3. Campbell Risk Management will handle billing and certificates for you rather than sending us the request and me forwarding it to Travelers through a shared email bin.  This should eliminate the delays in getting certificate requests completed that we experienced last year.
  4. You will be able to apply for your insurance and pay online right from the Federation website, a big convenience compared with sending checks through the mail.  This means you will get your policy documents sooner. You will also be able to pay for your Federation membership online at the same time you renew your insurance.

For all of these benefits, there will be only a slight increase in cost with the new policy.  The basic policy will be a flat rate of $325 (plus $25 for your Federation membership) which covers vendors grossing up to $12,000 in annual sales.  This includes as many markets needed and any additional insured certificates at no extra charge.  The premium increases slightly for those with more sales, maxing out at $425 which will cover up to $825,000 in sales at unlimited markets. 

 

In order to switch over, you will need to call Barb at Haylor, Freyer & Coon at 315-703-9135 or email her at This e-mail address is being protected from spambots. You need JavaScript enabled to view it and let her know you need a cancellation form.  When you get the form, you’ll need to mail it back to the address at the top of the form (Travelers, PO Box 4963 Syracuse, NY 13221).   Your insurance will continue until March 31st, 2014 – the end date on your current policy.  To enroll in your new policy for 2014-15, simply return to this page, fill out the online form and add your banking information to pay for your new policy.  This can be done soon since you will be selecting your desired effective date, or you can wait, but you will need to pay by March 15th for your policy to be effective on April 1st.  We cannot guarantee that those who apply after March 15th will avoid a lapse in coverage.


You may also choose to keep your policy with Travelers, but there are some changes to their program for this year:

 

  1. They are no longer willing to allow the Federation to handle your billing and certificate requests - for these you will need to contact Travelers directly.  
  2. They are not willing to adjust all policies down to the $300 level so for many accounts there will be an increase.  When you receive your bill from them, do not add $25 for your Federation membership.  To remain a member of the Federation, simply send in your Vendor Membership Form along with your $25 payment to our office at 117 Highbridge St, Suite U3, Fayetteville, NY 13066.
For any questions about this switch, contact Galena at 315-637-4690 or our agent at Campbell Risk Management, Larry Spilker at 1-800-730-7475 ext 203.


Here is the infomation about the old Travelers Policy, in case anyone has questions about their current coverage:

 

VENDOR MARKET LIABILITY PROGRAM

The vendor liability program provides $1 million per occurrence in both general and product liability coverage. The premium extends to all markets the vendor participates in, providing they are disclosed on the annual application. Markets added after the original application date may be subject to a $10 per market fee. In addition, the premium will provide unlimited additional insured certificates.

The program covers farmers and vendors participating in farmers markets ONLY. It will not cover a farm stand, retail store outlets or other forms of marketing. The program covers a wide range of products, however, it will not cover:


Wine or other alcoholic beverages

Meat

Fish

Certain types of crafts (call for more information)


The policy period for the Vendor Liability Program begins on April 1st and extends to March 31st. Premiums are not prorated for entering the program after April 1. The premiums are due up front and once coverage is extended, the premium is fully earned.

Per request of the insurance company, the Farmers Market Federation of NY will act as billing agent for participants in the Vendor Insurance Program. Premiums are paid through the Federation office. All requests for additional certificates must be made through the Federation office.  Please allow a minimum of two weeks processing time for additional certificates.


Membership in the Farmers Market Federation of NY is required to participate in the Vendor Insurance Program.