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.
Definition of Association membership
1. Who is insured?
2. Are Farmers' Market Board members
insured under the BCAFM General Insurance Policy?
3. Who may be held liable if someone gets hurt
at the market?
4. Who can buy medical/dental coverage?
5. When is a member market insured?
6. When is a member of a member market
insured?
7. When is a market manager insured?
8. 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;
"Associate Member" means individual vendors, a market
whose vendors make, bake, grow or raise the products they sell but
that does not otherwise qualify as a "farmers' market",
and a business, association, institution or government agency that
supports agriculture or farmers' markets;
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.)
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1. Who is insured?
- All farmers' markets that are 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.
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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).
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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)
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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.
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5. When is a member market insured?
A Member market is insured year round, for activities
pertaining to their market.
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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.
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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.
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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: 250-542-6300
Megan Tindall
Email: Megan@click2insure.com
Insurance FAQs
Enrollment Form - Directors
Renewal Form - Directors
Sample Certificate
Claim Examples - Directors
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