10 Myths about Auto Insurance

 Do you need Farmers Market Insurance?

When spring comes, it's time for Farmers Markets, that open area where farmers and others who want to earn an extra income sell garden-picked fresh produce, baked goods straight out of the oven, beverages, fresh meat and fish - and even crafts for passers-by searching for bargains.

It is true that the array of products displayed by the vendors is diverse, but it is not a free-for-all. Before displaying their wares, sellers must meet the guidelines set down by the market board members as well as any local regulations governing this process.
Farmer's markets are susceptible to many types of risks, including theft, fire, storm damage, liability, and more.

The insurance companies determine related insurance premiums according to the following:

•  How many days of activity are there in Farmers' Market every week or month
•  How many vendors, workers, and customers are there
•  How much insurance coverage does the market have

In any business venture, the Farmers Market owner, manager or vendor needs to make an honest evaluation of the goings-on and how they relate to insurance coverage.
Below are several forms of coverage applicable to vendors or marketplace operators.

Different ways of obtaining insurance:

1. Business Property

Market owners and operators, as well as sellers, can be covered under this coverage. When property or goods are lost or damaged, it can reimburse the amount of any covered event.

2. Premises Liability

Legal fees and court judgments that are imposed against the insured in lawsuits regarding injuries, losses, or damages sustained by others are covered.

3. Product Liability

In the event that a lawsuit is filed against the vendor due to an illness or injury caused by his or her product, this coverage will help protect the vendor.

4. Liquor Liability

In this type of coverage, insurance companies shield the insured liquor provider from liability claims if someone purchases and ingests beer, wine, or other types of an alcoholic drink at an event, resulting in an accident or injury.

5. Workers' Compensation

In the event of a workplace injury or illness, workers'' compensation provides funds to cover medical costs and lost wages. In the event of a lawsuit related to the marketplace, it also protects the marketplace operator or vendor.
You just received a brief description of the various Farmers Market insurance policies. Speak to a professional independent agent about your specific needs and get the most competitive quote based on your particular situation.

PRIME INSURANCE AGENCY

With more than 40 years of experience, Prime Insurance boasts a wide network of the top insurance carriers - such as ACE, AmTrust, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty There are many insurance companies such as Mutual, MetLife, Progressive, Safeco, Stillwater, Travelers, USLI, and Zurich. Consequently, they can offer all forms of excellent insurance coverage at competitively low rates. For more information about Prime Ins, visit the website at PRIME INSURANCE AGENCY, send us an email at Prime@primeins.com, or give them a call at 732-886-5751 - and HAVE A PRIME DAYTM!.