Minnesota Farmers’ Market Association Insurance Program
(Insurance provided through Stearns Insurance Services)

The Minnesota Farmers’ Market Association (MFMA) now has a low cost liability insurance program available for MFMA member markets, and for the vendors belonging to those markets.  Stearns Insurance Services and the Board of Directors of MFMA have worked closely together to develop the following insurance program for farmers’ markets, and for the vendors that produce and sell their produce at those farmers’ markets.

The insurance is available only to markets who are MFMA members, and thereby to vendors in a member market.  The coverage extends to attendance at any member markets.  To learn more about the MFMA, how to become a member, and to purchase general liability insurance for farmer’s markets and/or vendors, visit their website at www.mfma.org and click on “About MFMA” at the top of the page.

Plan Features

• General Liability Insurance including Products and Completed Operations
• Limits of Liability:
  • $5,000,000 aggregate,
  • $1,000,000 per occurrence
• $250.00 Deductible per occurrence
• Policy term: March 1 to March 1

Underwritten by Capitol Specialty Insurance Corporation, AM Best A rated

Coverage Guidelines

• Market Insurance: Your Farmers’ Market must be a member of the MFMA
• Vendor Insurance:
  • Vendor coverage is only valid at MFMA member market locations
  • Vendors may sell at any MFMA member market location without additional charges
• Only non-mass produced crafts will be permitted to be sold
• Coverage is excess over your other existing insurance coverage
• 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
• If you need specialized coverage, Stearns Insurance can offer coverage outside of this program.
• See the Minnesota Department of Agriculture’s website for definitions of the Farmers’ Market food safety guidelines.

For more information on the Minnesota Farmers’ Market Association (MFMA) and to apply online for your MFMA membership and/or general liability insurance, go to www.mfma.org and click on “About MFMA” at the top of the page.