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Public Liability policies offer no protection to the farmer for claims brought 

 by his regular employees for injuries, accidents and the like. 



Accident vs. Occurrence 



Commonly policies protect against claims due to accidents , but some claims 

 result from occurrences which are not "accidents" in the legal sense. An endorse- 

 ment to change accident to occurrence throughout the policy would be wise in most 

 cases . 



Every day farmers have contacts with members of the public. Experience has 

 shown that the courts may hold the farm owner responsible for the safety of members 

 of the public who have access to the farm. Where negligence is proven, awards can 

 be large and their effect disastrous to the farmer. 



Public Liability offers protection to the farmer against a wide variety of 

 risks which can result in severe losses. The cost is relatively low . 



For these reasons it is recommended that all farm owners carry this type of 

 insurance probably for increased limits above the basic policy. 



Tell your insurance agent the kind of farm business you have, the sort of 

 products you sell and ask him to write the proper policy form for you. 

 Public Liability insurance is more than desirable for a farmer, it is essential . 



Lawrence D. Rhoades 



Extension Specialist in 

 Farm Management 



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POMOLOGICAL PARAGRAPH 



Black Root Rot - Tough as the 1959 strawberry season was it now appears that 

 all was not bad; at least one good seems to have resulted. Black root was at a 

 minimum this fall. Strawberry fields in Franklin, Hampshire and Hampden Counties 

 were visited to look for black root and practically none was found, 



J. S. Bailey 



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FRUIT QUALITY AT ROADSIDE STANDS 



Approximately 21 per cent of the apples grown in Massachusetts are sold at 

 grower owned farm stands and salesrooms. Since direct sales to the consumer are 

 most profitable to the grower from the standpoint of income and to the buyer in 

 regards to quality, this method of sale warranted study in hope that the inforraatior 

 obtained would assist growers to increase sales through product improvement. There- 

 fore, an Extension study to "Determine Condition of Apples Offered for Sale to the 

 Public at Roadside Stands and Salesrooms" was conducted in the fall and winter of 

 1958-59 by Prof. F. E. Cole, Extension Marketing Specialist and the writer. 



