General Liability Insurance for Vendors in 2012!


The Minnesota Farmers’ Market Association (MFMA) continues to work closely with Stearns Insurance Services to provide a low cost liability insurance program available exclusively to MFMA members!

MFMA members (both Market and Vendor membership levels), may take advantage of this program starting in 2012.



Premiums & Options

Vendor Insurance I (Food-Unprocessed)**  $80.00
Vendor Insurance II (Food-Processed)***  $110.00
Vendor Insurance III (Food-Unprocessed/Processed, Crafts)****  $150.00


Coverage Guidelines

  • Vendors must obtain a Vendor Membership with the MFMA to qualify.
  • Vendors will have coverage at any established* farmers’ market or established* event in the state of Minnesota. Does not include coverage for sales at your home.
  • Only locally grown/raised products are eligible. Only small, one-of-a-kind, non-mass-produced crafts will be permitted to be sold.
  • No concessionaires are eligible. For example, vendors who sell pizza, hamburgers, or pop meant to be consumed onsite while at the market are ineligible for this program.
  • Premiums will be charged as a flat amount for the policy period.  No refunds for cancellations.  No reduced premiums for late entry into the policy period.
  • Premiums noted include all processing fees and state taxes.
  • Insurance is only valid in the state of Minnesota.
  • See the Minnesota Department of Agriculture’s website for Farmers’ Market food safety guidelines.
  • Contact the Minnesota Farmers’ Market Association (MFMA) for vendor membership.
  • A certificate of insurance will be emailed or mailed to you as your proof of insurance.


Plan Features

General Liability Insurance including Products and Completed Operations
    Limits of Liability: $5,000,000 aggregate
    $2,000,000 per occurrence
    $250.00 Deductible per claim
    Policy term: March 1, 2012 to March 1, 2013
Underwritten by Atain Specialty Insurance Company, AM Best A rated


Yes! I Wish to Purchase

Click Here to Complete Your Application Online

Click Here to Download a .pdf of the MFMA Insurance Program Summary & Application


Definitions

* Established Farmers’ Market or Established Event: Market or event is formally organized, has a board of directors, and is insured.

** Food-Unprocessed: Vendors who grow their own food products and do not process. Food goes directly from the ground to the stand. Examples: tomatoes, apples, potatoes, flowers, and plants.

*** Food Processed: Vendors who grow their own food products and perform processing before sale. Examples: jam, jelly, honey, maple syrup, bread, baked goods, and spices. This category also includes cut meat, eggs, and mushrooms.

**** Food-Unprocessed/Processed, Crafts: Vendors who grow and/or process their own food products AND/OR sell small, one-of-a-kind, non-mass produced crafts. Examples: jewelry, soap, birdhouses, and hand-made wearable items.


Insurance Program Arranged by


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James Wensel
MN license # 58926
Stearns Insurance Services
4191 2nd Street S
St. Cloud, MN 56301
Phone: 320.253.3525
Fax: 320.650.1361
www.StearnsInsurance.com

For insurance questions, contact:
Rachel Haney (CSR, Stearns Insurance Services)

rachelh@stearnsinsurance.com
320.253.3525

Jim Wensel (Agent, Stearns Insurance Services)
jimw@stearnsinsurance.com
320.253.3525

Claim reporting:
Stearns Insurance Services
320.253.3525


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Contact the MFMA:

General Info:
info@mfma.org

MFMA Operations:
dbouska@mfma.org


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