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BC Association of Farmers' Markets
Farmers' markets operate in every type of community across British Columbia from cities and suburbs to rural communities. Markets vary in size and sophistication, from large sheltered public markets to a few farmers with their trucks parked next to each other in a parking lot or farm field. Now that's fresh!
Managers' Corner / Vendors' Corner :: Insurance :: FAQs
Insurance - Frequently Asked Questions
The intent of this section is to provide a basic illustration and definition of the coverage offered by The Co-operators. Actual policy wordings of The Co-operators and the by-laws and Constitution of the BCAFM will prevail as they pertain to insurance and/or membership.
- Who is insured?
- Are Farmers' Market Board members insured under the BCAFM General Insurance Policy?
- Who may be held liable if someone gets hurt at the market?
- Who can buy medical/dental coverage?
- When is a member market insured?
- When is a member of a member market insured?
- When is a market manager insured?
- When are volunteers insured?
Definition of Association membership:
"Farmers' Market" means a market comprised exclusively (100%) of vendors who make, bake, grow or raise the products they sell, of which a majority of the vendors are selling farm products of British Columbia origin. These markets must be British Columbia non-profit organizations, whether incorporated or not, with at least 6 vendors, that operate for 2 or more hours per day for a minimum of 4 markets in a year;
However, farmers and vendors product must abide by the individual farmers market or the BCAFM definition, as well as all Federal, Provincial and local laws and legislation and regulations pertaining to the product(s) they sell. (i.e. inspection, food handling, etc.)
1. Who is insured?
- All farmers' markets that are full members of the BC Association of Farmers' Markets, provided that they have paid the insurance premium associated with their market.
- All member vendors of farmers' markets that are members of
the BC Association of Farmers' Markets, "Only as it
pertains to their participation in the "insured"
farmer's market, provided that the vendors product, and
participation in the market abides by the covered products of
the local market, as well as the BCAFM."
(i.e. it is not the intent, nor is the policy Liability coverage for an individual or business that prepares and/or sells a product outside the scope of the market.) - All market managers that are employed by farmers' market that are members of the BC Association of Farmers' Markets.
- All volunteer workers for farmers' markets that are members of the BC Association of Farmers' Markets.
Non-members of a farmers' market are not covered and MUST BE informed that they are not covered or should not be selling at the market, or as is recommended, they should prove their own coverage to the local market if they intend to be vendors.
2. Are Farmers' Market Board members insured under the BCAFM General Insurance Policy?
Yes, your Executive Officers and Directors are insured, but only with respect to their duties as your Directors and Officers (with respect to Property Damage or Bodily Injury loss or damage).
3. Who may be held liable if someone gets hurt at the market?
- The vendor where the incident took place.
- The farmers' market where the incident took place.
- The directors of the farmers' market.
- The Association.
- The board of directors of the Association.
- The property owner (i.e. municipality or private)
4. Who can buy medical/dental coverage?
The Co-operators now has a proposal to the BCAFM to enable all members (as set out in the definition of a member) to provide Extended Medical/Dental/Life and Disability coverage to the members of the BCAFM, at a very reasonable cost, with no minimum participation.
The coverage is available to members and their families.
5. When is a member market insured?
A Member market is insured year round, for activities pertaining to their market.
6. When is a member of a member market insured?
A member is insured while they are participating at a market and for activities associated directly with their market.
7. When is a market manager insured?
A Member market manager is insured year round, for activities pertaining to his/her employment (whether paid or not) as a market manager.
8. When are volunteers insured?
Only during market hours, or while specifically performing market related duties, (i.e. meetings etc.)
The fault of omission - all markets need to be informed of insurance coverage:
- who is a member
- who is covered
- who is not covered
- what to do to make a claim
They also need to be informed of:
- Directors and Officers Liability coverage
- Medical/Dental coverage
Farmers need to be told that they must retain the Farm or Business Insurance - the market insurance only covers them at the market. They are only insured as a vendor not as a farm at the market. This also applies to non-farming vendors.
If there are any questions that cannot be addressed via this description, please contact one of our insurance agents:
Michael Molnar
Email: mike_molnar@cooperators.ca
Tel: 250-542-6300Megan Tindall
Email: Megan@click2insure.com
Insurance Documents
Insurance FAQs
Enrollment Form - Markets
Enrollment Form - Directors
Renewal Form - Directors
Sample Certificate
Claim Examples - Directors