[FMC] FM on campus?

[Zachary Lyons]

Liability seems to be the issue of the day, eh?

Every market needs to have general liability insurance to cover  
market operations, regardless of whether or not the farmers carry  
their own insurance.  What the farmers insurance covers is most  
likely product liability.  The market needs to have general liability  
coverage to cover things like people tripping over canopy weights and  
charming acts of buffoonery like that.  Most property owners require  
at least $1 million coverage per occurrence.  Some $2 million, with  
an annual cap of $5 million.  It should also include something like  
$10,000 per occurrence to cover immediate medical attention.  Each  
state has different insurance rules, so check with your local  
insurance broker.  Also, many states farmers market organizations  
have group policies you can buy into at a lower rate than going it  
alone.  But don't think the school unreasonable to ask you to get  
insurance.  They, like everyone else in our litigious society, are  
just covering their assets.

-Zach Lyons, Seattle

On Jun 10, 2008, at 3:54 PM, Luisa Garrett wrote:

>
>
> Hi, everyone –
>
>
>
> We are looking to open a FM on campus at SJSU.  Running into tons  
> of institutional obstacles, particularly in regard to  
> administrators’ concerns about insurance, liability, etc. Even  
> though the farmers all carry their own liability, that does not  
> seem to be enough to assuage the powers that be.  Any insight into  
> how others have handled these questions, or resources to look into,  
> would be appreciated.  Also, general ideas about how others have  
> gone about developing support from campus decision makers, and what  
> arrangements are working for you – for instance, weekly markets vs.  
> once a month “special event” type markets, or whether others have  
> incorporated CSA’s into on-campus FMs.
>
>
>
> Thanks,
>
>
>
> Luisa Garrett
>
> SJSU Nutrition Education Action Team Outreach Coordinator
>
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