The Missouri Farmers Market Association/Missouri Farm Bureau group policy is available to Missouri Markets who are market members of MFMA. It is a general liability policy. Coverage is listed on the application.
COST$70
Additional fee ($10 each) to add Controlling interest |
DEADLINEMarch 15
Late charge of $25 added to applications received after March 15. |
Attention: You will receive a renewal notice directly from Missouri Farm Bureau in December. Please DISREGARD that notice. Your Farm Bureau membership is tied to your insurance policy with MFMA!
I want to sign up... Now What?
You MUST complete all three steps! Simply paying the fee does not guarantee coverage. Your market is not added to our policy until a completed application is received and forwarded from our office to Farm Bureau.
Download the fillable insurance form HERE.
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e-mail to [email protected]
or mail to Paula Stocker, MFMA Treasurer Missouri Farmers Market Association 312 SW Greenwich Drive, Suite 1664 Lee's Summit, MO 64082 |
Applications received by MFMA will be sent to Farm Bureau on the following dates:
December 20 - January 20 - February 20 - March 20 - April 20
Certificates are usually issued within 2 weeks of Farm Bureau receiving the applications.
To request a digital certificate, please contact Paula.
December 20 - January 20 - February 20 - March 20 - April 20
Certificates are usually issued within 2 weeks of Farm Bureau receiving the applications.
To request a digital certificate, please contact Paula.
Frequently Asked Questions
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LESSORS
If your market operates on property you do not own, you may add the owner of that property as an additional insured at no additional cost. The property owner's coverage extends only to liability that arises in connection with the farmers market. You must list the property owner in the appropriate blank at the bottom left of the application. |
CONTROLLING INTEREST
if your market is sponsored by another group or business, you may add that sponsor as an additional insured at an additional cost of $10 per year. The controlling interest's coverage extends only to liability that arises in connection with the farmers market. You must list the controlling interest in the appropriate blank at the bottom left of the application. If you DO NOT want a controlling interest covered, the total cost per year is $110. If you DO want a controlling interest covered, your annual costs is $120. |
can i submit my application to a local agent?
No. This policy is offered in partnership with MFMA, so all payments and paperwork must be handled within our organization and sent to Farm Bureau by our treasurer. If you renew your MFMA dues online, you can pay for your insurance in the same transaction. However, you must still print and complete the Farm Bureau insurance application. The completed form must be emailed to [email protected] or mailed to: Paula Stocker, MFMA Treasurer, 312 SW Greenwich Drive, Suite 1664, Lee's Summit, MO 64082. Please submit applications by March 15.
WHO IS INSURED BY THIS POLICY?
The Farmers Market - which must be a legal entity. Even if the market is operated under the umbrella of another organization, the market itself must be incorporated separately from any other organization or individual. To incorporate your market, go to http://sos.mo.gov/business/corporations and click "starting a
business". Most Missouri markets incorporate as non-profits. It is inexpensive, quick and easy. However, MFMA cannot give you legal advice so you may want to consult a lawyer prior to incorporating.
business". Most Missouri markets incorporate as non-profits. It is inexpensive, quick and easy. However, MFMA cannot give you legal advice so you may want to consult a lawyer prior to incorporating.
We don’t want to incorporate our market, can we still get insurance?
No, Farm Bureau will verify your market’s legal status with the Missouri Secretary of State. If it is not shown as incorporated in the state of Missouri, they will not issue insurance to your market.
CAN I GET INSURANCE AS AN INDIVIDUAL SINCE IT'S LISTED ON THE APPLICATION?
No, to insure the market, the market itself must be a legal entity
Does this policy cover the vendors at my market?
No, vendors should have their own insurance policy.
I must answer “no” on several of the questions on the application. Does that disqualify my market
Not necessarily, but your local agent may contact you for clarification
We have vendors selling baked goods and crafts, can we still get insurance
Yes, MFB will cover markets selling products typically sold at Missouri markets such as Value-added and crafts. They will not, however, cover any market which sells flea market or used items, including used farm equipment.
WE HAVE A TOMATO FESTIVAL EVERY YEAR. WOULD THAT QUALIFY AS A SPECIAL AMUSEMENT EVENT?
Routine market events would not normally be considered special events (even though the market considers them special). Farm Bureau will not cover any market that sponsors carnival type activities including climbing walls and bounce houses or petting zoos, pony rides, hayrides or dances. If your sponsoring organization sponsors such activities they must be held separate and apart from the market and neither the market nor the sponsoring agency is provided any coverage by Farm Bureau in regard to those activities.
if we have a claim, who do we contact?
Your local Farm Bureau agent can help you with a claim.
Our market has already bought its insurance for the year. Can we still participate?
If your policy is pro-rated you should be able to switch to this policy and receive a refund on a portion of the premium on your original policy. Check with your agent.
WHAT IS THE EFFECTIVE DATE FOR THE POLICY?
If your market meets Farm Bureau's requirements, the policy takes effect with the postmark of your envelope containing the dues, fees and executed application. The insurance runs through December 31
regardless of start date.
regardless of start date.
Will our market receive a certificate of insurance?
Yes, Farm Bureau will send a certificate of insurance directly to each insured market
Does this policy cover the vendors at my market?
No, vendors should have their own insurance policy.
What if I receive a renewal fee or dues notice directly from Farm Bureau?
Do not pay it. Send the bill to our treasurer. You will always be billed directly by MFMA.
Where can I get more information?
Call or email Paula Stocker at (816) 842-1271 x1 or email [email protected].
