A basic market or vendor insurance policy is structured to give a wide range of coverage in order to protect the market or vendor against lawsuits. The main component of a short term policy is liability coverage. This form of insurance pays for damages if someone is injured or if there is damage to property belonging to someone attending the event. Additional insureds can also be added to policies to protect the organizer, venue, etc., from claims arising out of the operations of the market or vendor.

Liability insurance policies cover the market or vendor in the event that an attendee is somehow injured from the vendor’s display or products or damage is caused to the venue by the vendor.

Question: Is my property covered under a general liability policy?

Answer: The general liability policy excludes property that you own, rent, borrow, or property that is in your care. This exclusion exists because if you do have property that fits this description, there are separate property policies that are available to insure such exposures.

Question: What type of property does the general liability cover?

Example: An example would be a patron whose clothes are damaged when he trips and falls over an exposed extension cord you have improperly laid for your event. Because this property (his clothing) was not owned, rented, or borrowed by you or in your care at the time of the damage, the general liability policy would pay for the damages to these items.

Question: If I name someone on my policy as an Additional Insured, does it mean they don’t need their own separate insurance?

Answer: No, they would still need their own insurance in order to be properly protected. A common misconception with additional insured’s is the belief that if they are named as additional insured on a policy, they don’t have to worry about buying their own insurance. However, an additional insured only has protection under your policy if they are not responsible for the claim. They would not be protected under your policy if they were at fault for a claim.

The reasoning behind this is simple. If you are responsible for a claim, your own insurance should provide protection, including providing protection for the additional insured’s. If an additional insured is responsible, their own insurance would have to provide them coverage. If you are both equally and partially responsible for the same claim, then each would rely on their own insurance for protection.

Example 1: As a vendor, you are attending the Great Pumpkin Farmer’s Market, and have named Great Pumpkin on your policy as an additional insured as required in your vendor agreement. Through no fault of Great Pumpkin, a patron slips and falls in your booth and brings suit against you and Great Pumpkin. Your policy would provide coverage for both you and Great Pumpkin.

Example 2: Same scenario as above. But instead of slipping and falling in your booth, a patron falls in a common area near your booth, like an aisle. The customer sues both you and Great Pumpkin. Your policy would protect you, but would not provide protection for Great Pumpkin. They would have to rely on their own insurance.

Question: What are Occurrence & Aggregate Limits?

Answer: The Occurrence limit is the maximum amount the insurance company will pay per incident, regardless of the number of persons injured (claimants).

An Aggregate means the same as a cap. It’s the total amount, regardless of the number of separate incidents; the insurance company will pay out for all claims during the term of your policy.

Example: Your policy has a $1,000,000 Aggregate limit. During the term of your policy you have 3 claims that are awarded against you. $250,000 was awarded on one claim, $500,000 was awarded on the second claim and $300,000 was awarded on the third claim. Total amount awarded: $1,050,000. The insurance company would pay a total of $1,000,000 (Aggregate max policy limit). You would be responsible for the balance of $50,000.

Question: What is Products Liability Insurance?

Answer: Products liability (including completed operations) insurance provides protection for you against injury to members of the public caused by a defective product you manufacture, sell, or give away.

Most, but not all, general liability policies automatically provide products liability/completed operations coverage. Sometimes, we are unable to provide this coverage if your products are considered hazardous; for example tobacco, cosmetics, motorized vehicles, etc.

Here are a few examples of product liability claims:

Example 1: A customer purchases a souvenir t-shirt sold by the vendor at a market. The shirt was improperly labeled and contained fabric the spectator was allergic to. Products liability insurance would provide coverage to the vendor for any resulting claims.

Example 2: A food vendor, selling chicken dishes improperly prepares the food causing bacteria to develop. As a result, some customers get food poisoning. Products liability insurance would provide coverage to the food vendor for any resulting claims.

Other options for short term insurance policies include coverage for the cost of medical care to someone who is injured as a result of the exhibitor at the special event, whether the holder of the policy is liable or not. Coverage for vehicles used at the event also can be included.

Short term insurance policies differ from company to company, so you should always consult your agent to understand exactly what the policy covers.

About the Author: David Judge is the Chief Executive Officer of Farmers Market Insure Now, Inc., which provides affordable online liability policies for farmers markets and farmers market vendors. Visit http://www.FarmersMarketInsureNow.com to receive an immediate quote. Quote, purchase and print your general liability insurance policy right from your computer 24/7 without ever having to talk to an agent. The process is quick and easy, and takes less than 5 minutes. You will be ready to concentrate on making your farmers market experience a success without having to worry about insurance.

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If you want to avoid mold it’s essential to keep on the lookout for watermarks or musty smells that may be the first signs of mold growth. Treatment with bleach may successfully remove mold if you catch it early, but you must be sure to destroy materials such as cleaning rags, rugs and wallpaper that have moldy residue. To prevent re-growth of the mold it’s also important to find and eliminate the source of moisture that gave rise to the mold.

Mold grows indoors in conditions of high humidity and moisture. You can take some steps to discourage the growth of mold in your home, including:
• reducing humidity;
• keeping your home dry;
• using mold-reducing cleaning products; and
• cleaning up and drying out thoroughly after water damage or flooding.

Unless you have recently had a burst water pipe or storm damage at home it’s unlikely that your Tampa homeowners insurance will cover the cost of eliminating mold. Cleaning mold is a fairly simple task that you could carry out yourself, but if you have allergy problems or a breathing disorder you should consider outsourcing this work to a local contractor who specializes in mold remediation.

Usually, the lender charges $15 for every $100 borrowed from the day of the payment. Sometimes the lenders may extend that date of repayment. One has to do a lot of research before going in for such cash advance. It is viable only when the fee on the unpaid debt amounts to be more than the interest which would get accrued by the repayment day. It may also be used in case of any other kind of emergency.

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A medical requirement or a car breakdown may also push a person to ask for a cash advance loan. Immediate funds can be obtained only by using the services of the payday cash advance loans which are quick to process with very little procedural delays. These are termed as payday loans as they are supposed to be repaid on the payday. These loans are given only for short time. These are usually given only to people with jobs.

There are many lenders who are available online which is convenient and secure. The online lenders have lesser paper work and sometimes give better interest rates. They are available all through the day unlike the banks.

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Betting really makes watching a game all that more exciting. Obviously doing it responsibly is very important but waging a bet on your favorite team can add a whole new twist on things. For many its become a living and professional bettors actually make a fortune doing that.

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