Insurance Requirement for Vendors

To help ensure a safe and successful Farmers Market for everyone, all vendors are required to carry appropriate insurance coverage. This protects vendors, customers, the La Grange Business Association (LGBA), and the Village of La Grange in the event of an accident, injury, or property damage.

The La Grange Farmers Market is a public event held on Village property and coordinated by LGBA in partnership with the Village of La Grange. Each vendor operates independently and is responsible for their own booth, products, equipment, and activities.

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Why Insurance Is Required

Insurance is required to:

• Protect vendors in the event of a claim or lawsuit

• Ensure medical or property claims can be addressed appropriately

• Reduce risk for the public attending the market

• Meet the Village of La Grange’s risk management requirements

• Allow the Farmers Market to operate safely throughout the season

Requiring insurance is standard practice for farmers markets and community events throughout the region.

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Additional Insured Requirement

Vendors must name both of the following as Additional Insureds on their General Liability policy:

• The Village of La Grange, including its elected and appointed officials, employees, and agents

• The La Grange Business Association (LGBA), including its officers, directors, employees, agents, and volunteers

Being named as an Additional Insured does not transfer ownership of your policy or reduce your coverage. It ensures that if a claim arises from a vendor’s operations at the Farmers Market, the appropriate parties are covered under the same policy.

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Minimum Insurance Requirements

All vendors must provide a Certificate of Insurance (COI) meeting the following minimum requirements:

General Liability

• $1,000,000 per occurrence

• $2,000,000 aggregate

Coverage must:

• Be in effect for the full Farmers Market season, including setup and teardown

• Apply to vendor operations at the La Grange Farmers Market

Waiver of Subrogation

A Waiver of Subrogation is required in favor of:

• The Village of La Grange

• The La Grange Business Association

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Certificate Holder

The Certificate Holder may be listed as:

La Grange Business Association

The Certificate Holder field is for notification purposes only. Coverage is provided through the Additional Insured and Waiver of Subrogation endorsements.

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Submitting Your Certificate of Insurance

• A compliant Certificate of Insurance is required as part of the application.

• Certificates must reflect the required coverage, limits, and wording

• LGBA reserves the right to request policy endorsements if needed

A sample insurance template is provided below to assist vendors and insurance agents with the correct formatting and language.

BOTH PAGES ARE NEEDED