FMO Membership Insurance Program

FMO offers an insurance program specifically tailored to farmers’ markets. This program is only available to members of FMO. Coverages include:

$5 million Commercial General Liability

Covers all vendors for any bodily injury or property damage to third parties which occurs during its operation and, which the farmers’ market is deemed legally liable.

$50,000 Miscellaneous Blanket Accident

Covers Directors, volunteer workers (and market managers earning less than $10,000 a year) against loss caused by accidental bodily injuries arising out of and in the course of such duties, including travel to and attendance at such duties.

$35,000 Property

Covers items which belong to the farmers’ market association, such as tables, signs, etc.  This coverage does not extend to property which belongs to the individual vendors, such as tents/canopies, their own stall tables, etc.

$10,000 Crime & Commercial Blanket Bond

A robbery; employee dishonesty, eg. a farmers’ market manager or leader absconding with stall fees.


  1. Your municipality/landlord may ask to be listed as an “Additional Insured”. No problem, no extra charge.  Just let us know.
  2. The Co-operators insures your Association’s tents, canopies, signs and other equipment up to $35,000. Call us for a price…if you have more than $35,000 worth of miscellaneous property.
  3. This insurance program is designed for the smaller, seasonal farmers’ markets…90% of our members.
  4. The coverage details shown above are a synopsis and do not replace or alter the legal wordings of the insurance policy.

This policy specifically excludes coverage for a winery or wineries which might offer for sample or sale wine at a farmers’ market including fruit wines & cideries. You are required to secure and provide a Certificate of Insurance from their insurance company listing The Officers & Directors of Farmers’ Markets Ontario and “your farmers’ market” as Additional Insured.