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

[Lynn Nadeau / Maraiah (welcome]

When the PT Ecovillage was looking for insurance it turned out that  
Farm was the F-word. I bet Garden would work better. Farm implies big  
dangerous house-size machines with whirling grinding parts. Garden  
implies hands and knees and hand tools and wheelbarrows.

At RoseWind Cohousing we have a sizeable vegetable garden and some  
orchards, some bees. We have what is de facto an in-house CSA, with  
Garden Co-op members putting in time and money for food. We have a non- 
member garden manager (and worker) that we pay like we pay our  
commonhouse-cleaning employee: the usual withholding for FICA and also  
for L&I (labor and industry workmen's comp insurance for workplace  
accidents). When we had 20 chickens and a chicken "club", in house, we  
had no specific insurance for it. Raising chickens on this scale is  
not exactly a hazardous business.

Neither of the communities mentioned is a condo, so I don't know how  
that relates. Anyway, try calling it a garden, not a farm.

Maraiah Lynn Nadeau
www.rosewind.org
Port Townsend WA