Farmers Market Farmers Market Vendor
Insurance Program
A Liability Insurance Program Providing Protection
from Lawsuits of Bodily Injury and/or Property Damage
Quote or Purchase Insurance
The AmeriSent Insurance farmers market vendor liability program has been structured to meet the needs of farmers market vendors big and small.
We have specifically tailored programs in place that offer the coverage you need to
keep your business protected. Our
programs are available for one-day special events, annual policies, and anything in between.
While many vendors are accustomed to acquiring insurance on a solo basis,
AmeriSent Insurance also offers the convenience of group policies.
For events with multiple vendors, our group policies help save time and money while still
offering the same world-class protection and customer service we are known for.
Coverage Details
This program provides protection for the Policyholder against
claims of bodily injury liability, property damage liability, personal and
advertising injury liability and the litigation costs to defend against such
claims. Coverage is provided up to $1,000,000 per occurrence. There is no
deductible amount. Coverage is offered through the Sports and Recreation
Providers Association Purchasing Group.
Coverage Includes Suits Arising Out Of
Injury or death of spectators
Injury or death of volunteers
Property damage liability
Products liability coverage (completed operations)
Incidental medical malpractice
All activities necessary to conduct activities
Ownership, use or maintenance of fields or practice areas
General negligence claims
Cost of investigation and defense of claims, even if groundless
Corporal punishment
Exclusions for Commercial General Liability Coverage, include but are not limited to the following:
Access or Disclosure of Confidential or Personal Information and data-Related Liability – With Limited Bodily Injury Exception, Coverage C –
Medical Payments, Employment Related Practices Exclusion, Fungi or Bacteria, Exclusion of Other Acts of Terrorism Committed Outside the
United States; CAP on Losses from Certified Acts of Terrorism, Exclusion of Punitive Damages Related to Terrorism, Liability Arising Out of
Lead, Silica or Related Dust Exclusion, Nuclear, Biological, or Chemical Exclusion, Failure to Provide Waiver and Release Sublimit,
Exclusion – Organic Pathogens. All of the above are subject to the terms and conditions of the policy.
Excluded Activities:
Horse Vaulting/Jumping, Trick/Stunt Riding, Equine Racing Exposures, Leasing of Horses, Inflatable Amusement Devices,
Corn Cannon, Jumping Pillow, Pumpkin Launching Devices, Carnival Rides, Knockerball/Bubble Soccer, Bungee Devices,
Fireworks Sales & Displays, Mechanical Bucking Devices: including Multi Ride Attachments,
Permanent & Mobile Rock Wall Structures, Rock Climbing, Security Services Other Than Contracted Law Enforcement Officers,
Trampolines, Zip Lines, Ropes Course, Tackle Football, Surfing, Zippy Pets, White Water Rafting, Water Skiing, ATV/UTV,
Trackless Trains, Participants of Aerial Activities.
Exclusions
Insurer
The general liability coverage is provided by United States Fire Insurance Co. (Admitted) (A Excellent XIII A.M. Best)
Premiums
Fresh 52 Farmers Markets Only
($1,000,000
Per Occurrence / $1,000,000
General Aggregate)
- Program Rate 30 days or less:
$35.00
- Program Rate 1-6 months:
$50.00
- Program Rate Annual:
$75.00
General aggregate of $2,000,000 is available for an additional cost
All Markets ($1,000,000
Per Occurrence / $2,000,000
General Aggregate)
- Program Rate Annual:
$225.00
The Optional Coverages
Equipment Coverage
This Inland Marine insurance product
provides coverage for your equipment
and contents up to the specified limit.
Hired and Non-Owned Automobile Liability Coverage
This liability coverage provides protection for rented, borrowed and other non-owned vehicles
driven on farmers market vendor business.
Increased Aggregates
This option increases the aggregate limit of liability insurance
from $1,000,000 to larger amounts.
This page has been designed to illustrate the highlights of this program but is not a contract.
Some exclusions and coverages may be modified to meet individual state requirements.
For specific details, please request a sample policy.
