Farmers Market Insurance

Farmers’ Market Insurance

Comprehensive coverage to protect farmers’ market vendors from the liabilities they face.

Zensurance - Farmers Market Vendor

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Food Market Vendor

Insurance for farmers’ market vendors

From farmers and food producers to artisans and retailers, vendors of all types selling goods at farmers’ markets have a long, illustrious history in Canada, and their popularity has grown dramatically in recent decades.

However, no matter what you sell at a farmers’ market or other types of sellers’ market, being a vendor exposes you to liability risks that could result in financial ruin. That’s why every vendor should buy farmers’ market insurance. Moreover, most farmers’ markets require their vendors to carry liability insurance.

A farmers’ market insurance policy from Zensurance is a combination of coverages tailored to your specific needs that is designed to provide you with financial support when something goes wrong. From third-party liabilities to accidents and damage from severe weather, a comprehensive farmers’ market insurance policy provides farmers’ market vendors with the protection they need.

A comprehensive farmers’ market insurance policy typically includes the following coverages:

  • Commercial General Liability (CGL) Insurance: CGL, also referred to as slip-and-fall insurance, covers you for third-party bodily injury and property damage claims resulting from your business’s operations. For example, a customer visiting your display booth trips over an extension cord and is injured. CGL is designed to pay for the injured person’s medical expenses.
  • Product Liability Insurance: You are liable for any product you manufacture, distribute, or sell at a farmers’ market, online, or in a brick-and-mortar retail store. Product liability insurance covers you for third-party bodily injury or property damage claims related to the items you sell to your customers. Product liability insurance may be included in your CGL coverage. If it isn’t, you can add it to your policy.
  • Cyber Liability Insurance: Chances are you accept electronic payments from your customers whether you have a portable point-of-sale (POS) system or use a software provider. Either way, it’s your responsibility to protect your customers’ financial and private information. Cyber liability coverage provides you with financial support resulting from cybercrime, including repairs and restoration to the software you use, legal advice, credit monitoring, and more.
  • Commercial Property Insurance: Commercial property insurance protects your booth, tables, tents, inventory, and business contents from loss or damage resulting from fire, flood, extreme weather, theft, and vandalism. It typically includes business interruption insurance that provides funds following an insurable loss to cover things like your overhead operating costs, employee wages, and taxes and loan payments.

There are many factors insurance companies consider when determining what a farmers’ market policy will cost you, including: 

  • The location of the markets you sell at
  • The types of products you sell
  • Your years of experience as a farmers’ market vendor
  • How many employees you have
  • Annual and projected revenue 
  • Your insurance claims history

Getting insured is quick and easy!

Complete our 5-minute online application for a free farmers’ market liability insurance quote.

Common claims scenarios

ice cream truck

Problem: An organic hand cream you sold at a street festival to a customer triggers an allergic reaction that requires them to seek medical attention. They decide to sue you for damages.

Outcome: Your product liability insurance may pay for the injured person’s medical expenses, your legal defence fees, and the monetary settlement reached with the plaintiff.

tents at farmers market

Problem: You set up a tent over the table where you’re selling your products. A sudden gust of wind knocks it over. One of the tent poles strikes a passerby and injures them.

Outcome: Your commercial general liability insurance may pay to cover the injured person’s medical expenses.

fire at outdoor market

Problem: A fire erupts suddenly at the farmers’ market near your booth. The flames quickly reach your booth and destroy the inventory you stored in it.

Outcome: Your commercial property insurance may pay to replace your destroyed inventory.

Frequently asked questions

Does a farmers’ market insurance policy cover me for selling at markets outside of Canada?

No. A farmers’ market insurance policy from Zensurance only covers you for selling goods at markets in Canada.

How much is the deductible on a farmers’ market insurance policy?

If you file a claim related to your commercial general liability coverage, there is no deductible that you need to pay. However, there is a deductible on other coverages, such as commercial property. You can choose what you want the deductible to be. In general, the higher the deductible, the lower your annual premium is.

Does a farmers’ market insurance policy cover me for one event or multiple events throughout the year?

An annual policy will provide you with protection for 12 months at however many farmers’ markets, street festivals, and community events where you are a registered vendor. For a seasonal or short-term policy, speak to a Zensurance licensed broker.

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Ready to start? Let’s get a quote!

Give yourself peace of mind and protect your finances with a comprehensive farmers’ market insurance policy from Zensurance. 

Fill out an online application in a few minutes to get a free quote. We’ll shop our network of over 50 insurance company partners to get you the coverage you need at the lowest price available.