Farmers Markets – Expect the Unexpected

Raspberry Jalapeño Jam is a way of life in my home. Spread across an artisan loaf of homemade sourdough bread, that stuff turns from two locally sourced products to magic.

To date, it has solved difficult math problems, helped determine that boy was just bad news anyway, delivered difficult news and celebrated victories on all spectrums.

What makes it our magic household cure all? I have no idea, and when I make it… it’s always missing *something*.

So, just about every Saturday morning from May to October, you will find me slipping on my shoes and grabbing my canvas bag to head to the local Farmers Market to get the ingredients that make my home run like a well-oiled machine.

I never just come home with that magic jam, or that artisan hand carved bread though… how can you when there are flowers, teas, grass-fed beef, all my major weakness? All the handmade crafts.

Earrings, necklaces, bracelets, rings. Glass blown items. Recycled materials turned into upcycled art.

Something about shaking the hands that crafted them, the morning dew still wet on the grass while the sun starts to hit your shoulders just makes the entire experience magic… and somehow, it seems to sneak inside the well-sealed lid of my jam!

But, what if something else snuck inside that well sealed lid? Maybe that handcrafted bead found its way into a baby’s mouth, or God forbid one of the locally sourced dried tea combinations caused an allergic reaction? Maybe while you were setting up to sell your items, someone stole equipment or products from your car!

Those are just a handful of worst-case scenario reasons why a Home Business Insurance policy from RLI is always a necessity.

“But I follow strict Ohio cottage law”, “my beads are double secured”, “all my allergens are listed!”

It will never happen to me, is a very common thought process until it does happen to you, and even then, there is the liability of the space alone.

Windy days can become dangerous quickly, then add in 50+ booths, tents and various items that could harm a customer. Heck, you could even knock over one of your fellow sellers’ tables and damage their products!

RLI offers A+ rated Home-Based Business Insurance coverage that satisfies most event or show liability requirements with liability limits up to $1 million, business property protection up to $100,000 (with $250 deductible) and valuable coverage at affordable rates. They even have drone coverage for your photographers (state restrictions apply)!

Make sure your clients are covered for the worst day, while planning for the best year.

Reach out for more information today, and while we can’t make our clients accept the coverage, we can offer it and get the sign off on the accept/decline form from them to prevent an E&O claim in the event of something happening, even after our sound advice.

See you Saturday! 😊

*Honey products are excluded*

Policies are underwritten by RLI Insurance Company *Premiums start at $150 for $300,000 liability and $5,000 business personal property in the lowest rated class in the lowest rated territory. Actual price may be higher depending on your individual characteristics and coverages that you select. Not all businesses will qualify for coverage.

Brand new to RLI? Write your 1st policy by May 31st and be entered to win a $25 Amazon Gift Card!

Already writing business with RLI but still want your chance to win? Each quarter we will be providing a $10 gift card to the agency that has written the most new business policies for that quarter!

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