Cohousing-L Mailing List: Re: Insurance

[Mary Vallier-Kaplan (marycvk]

Thank YOU!  I knew you had if anything too much experience with our insurance!

Mary

Sent from my iPhone

On Aug 27, 2014, at 1:50 PM, Peter Orbeton <peter.orbeton [at] gmail.com> wrote:

> 
> I am responding based on several years handling insurance for Nubanusit
> Neighborhood & Farm. We too have a farm component. We have had policies
> with several insurers, and have always had two separate policies -- the
> master casualty/liability one for the condo association, and a farm policy
> also for casualty/liability. We have several barns, equipment, etc. We also
> have a defined farm unit (land) as part of the condo docs. The farm
> insurance cost is a community expense.
> 
> My recommendation is to pursue a separate farm policy - don't even bother
> looking for a single insurer/policy. Your focus in the discussions with the
> agents should be on the coverage you require for the farm & the enterprises
> operating within it.
> 
> Finding a single insurer would be ideal, but likely difficult given the
> cohousing/farm status.
> 
> Good luck.
> 
> Thanks, Peter
> 
> 
> 
> Nubanusit Neighborhood & Farm
> http://www.peterboroughcohousing.org
> 
> 
> 
> On Tue, Aug 26, 2014 at 9:29 AM, Sandy Thomson <sandykthomson [at] gmail.com>
> wrote:
> 
>> 
>> We are a rural Cohousing community that has various Ag businesses working
>> on our land and we are having a hard time finding an insurance company to
>> insure us.  It seems there are farm policies and HOA policies but nothing
>> that covers someone who does both.  We have a very small dairy that sells
>> raw milk to community members and a few outside the community.  We have
>> someone producing eggs for the community and a few outside the community.
>> We have someone producing pork that goes to a USDA approved butcher for
>> processing and he sells inside and outside the community as well.  Those
>> are all members and then we lease some land to someone who is not a member
>> who grows vegetables for us and others in the larger community.  All these
>> operations are small.  We would love to continue to produce food on our
>> Cohousing owned land but this insurance is starting to be a real obstacle.
>> What do other communities do that have something like this.  PLEASE let me
>> know we are running out of options.
>> Thanks,
>> Sandy
>> 
>> 
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