Steve Day wrote:I I would like to sell a product of some kind like vegetables or storage sheds and though probably rare , legal issues can arise where you can get sued if someone finds a fire ant on there tongue after eating your tomatoes or stuck by a nail in your building. It all seems to fall around having homeowners insurance that I can't get so I can't get any other kind. Anyone have any ideas on getting liability protection without a homeowner policy?
General farm liability insurance typically protects against claims for bodily injury and property damage that occur on the farm premises or as a result of farm operations (IRMI, 2008). These policies cover accidents that affect farmers, employees, guests, and customers.1 Outlaw (2007) and the New England Small Farm Institute (2008) suggest that these general commercial or farm liability policies are appropriate for growers with pick-your-own operations and on-farm
stands. The New England Small Farm Institute (2008) further explains that farm liability insurance covers lawsuits only from activities considered “farming,” which is usually defined to include only agricultural production activities
and on-farm roadside stands. These policies also typically cover the sale of produce in its raw, unprocessed state, whether sold on-farm or at a farmers’ market.
Many fresh produce growers mistakenly believe that their general farm liability policy protects against claims of injury from contaminated fresh produce that causes foodborne illness. But as Hamilton (1999) explains, this is not generally
the case, because the injury usually happens off the farm premises. In this case, a product liability insurance policy is appropriate, as it protects against consumer claims of injury caused by a defective or hazardous product such as contaminated fresh produce. (Holland, 2007).
Travis Johnson wrote:I could be wrong, but I think the best thing to do here is incorporate into an LLC which might eliminate the need for insurance. Anyone who sued (which is not likely) would thus not be able to get your home and property, which is what could happen if you weren't.