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Minnesota Farmers' Market Association 

Insurance


Vendor Insurance

Market Insurance

POLICY FEATURES

General Liability Insurance including Products and Completed Operations

Limits of Liability:

  • $3,000,000 general aggregate
  • $1,000,000 products and complete operations aggregate
  • $1,000,000 personal and advertising injury
  • $1,000,000 per occurrence
  • $100,000 fire damage
  • $2,000,000 umbrella each occurrence
  • $250 deductible for property damage
  • Group Policy
  • Excess Policy 

 Policy term: January 1 to December 31 each year.
 

Insurance Sign Up

for 2026 Is Open!

Insurance premiums for 2026 increased 6% across all our categories this year. Insurance experts caution that policies attached to property will continue to rise as long as extreme weather events continue to create damage.

We have had 2 claims due to damage caused by high winds when a tent blew into a vehicle (2022 & 2023). Manager and vendors: let's make sure there is a minimum of 25 pounds weight per tent leg.

On the plus side, no other claims or reports, so thank you for producing the safest, most healthy food in Minnesota and Wisconsin and for operating such safe, welcoming markets. 

Key things to keep in mind:

  • For renewals - please review your entire online application! Things change year-to-year, so you need to update those changes.
  • Listing additional insureds on  your certificate is no extra charge; try to add those when you apply / renew.
  • We fixed some website issues, so policies should get processed faster. Still, plan on 2 weeks turnaround time.
  • Use an email you check often - your certificate of insurance gets emailed to you.

The Minnesota Farmers’ Market Association offers a group insurance policy exclusively for MFMA member markets and MFMA member vendors through Advantage 1 Insurance Agency. Please note this policy covers markets and vendors in both Minnesota and Wisconsin!  

 For Insurance Questions

  Contact Kathy Zeman

  kzeman@mfma.org

  (507) 664-9446 (feel free to text!)

The Minnesota Farmers’ Market Association (MFMA) provides services, programs, resources, and leadership that strengthen and promote farmers’ markets across Minnesota and Tribal Nations. We envision vibrant, profitable, and professionally managed markets that cultivate thriving local food communities, expand access to fresh and culturally relevant foods, support the success of local food producers, and create opportunities for all people, regardless of ethnicity, age, gender identity, or economic standing.

    Contact Us:

    Executive Director: Kathy Zeman (She/Hers)KZeman@mfma.org | (507) 664-9446 

    Director of Communications and Organizational Development: Pa Thao, MSW (She/Hers/Paj) | Pa@mfma.org | (715) 497-9499

    Director of Government Affairs: Friendly Vang-Johnson (She/Hers)Friendly@mfma.org | (206) 276-2284


    Minnesota Farmers' Market Association | 308 East Prince Street | St. Paul MN 55101


             

    Copyright MFMA 2026


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