Cohousing-L Mailing List: Farm insurance for a cohousing community that is a condo association

[Mary Vallier-Kaplan (marycvk]

Nubanusit Neighborhood & Farm in Peterborough, NH is seeking the wisdom of
our peers as we try to  address another one of those cohousing dilemmas that
seem to arise as we grow up and get past the basics and into the details.

Nubi is incorporated as a condominium.  We now have a membership based CSA
that is not incorporated and has a few out of neighborhood paying shares.
 The CSA  has a land use agreement with the community. We also have several
other farm agreements like with our Chicken Club and a group of neighbors
that raises pigs. Neither of these sell goods off the farm nor have
non-community members.

We are challenged (as our most insurance brokers) in trying to figure out
how to have insurance for the farm that is part of a condominium - not a
common occurrence it appears.  We are wondering how you have structured your
farm business and how you insure it to minimize exposure to the co-housing
community members without excessively burdening the enterprises.  If you
have paid farmers, how are they insured?

Thank you for your help.

Mary Vallier-Kaplan
Nubanusit Neighborhood & Farm
www.peterboroughcohousing.org