LIABILITY INSURANCE FOR FRUIT GROWERS , 



As an owner or occupier of property a person must maintain his holdings with 

 due regard to the safety of others. If he is a farmer or businessman he has even 

 more responsibility because the risk of daniage of injury to others or their pro- 

 perty may be greater. 



This duty applies particularly to the upkeep of buildings and the farm sur- | 



roundingSjin the control of livestock including pets on the farm, in the whole- J 



someness of the products he sells as well as to the work undertaken by him both, S 

 on and off the premises. 



Among other things under personal liability, a farmer is responsible for 

 such things as these: i' 



1. To safeguard visitors, members of the public, and their property on his ,1 

 premises. (His highest responsibility is to those persons he directly 

 or indirectly invites to his place; he is less responsible for licensees 

 such as salesmen; and he owes trespassers at least the duty of not 

 knowingly harming them.) j 



I 



2. To keep his livestock off highways where they may cause accidents result- 



ing in injury to motorists or to property. 



3. To provide safeguards in handling vicious animals. 



4. To warn his tenant of any hazard on the premises that would not ordinarily 

 be detected. 



5. To prevent fire from spreading from his property to the premises of another, 



6. For his own negligence if an employee is injured while at work. 



7. To his employees and under certain circumstances, those of a contractor 

 doing work on his farm, even though the contractor might carry insurance. 



8. To the public for the v/holesomeness of his products. (Farmers who sell 

 farm prepared food products such as ready to cook poultry, frozen chicken 

 pies, pastries, candy, apple juice, farm made sausage and farm products 

 of any sort may assume this liability as a result.) 



In general two policies are used: 



1. In the case of smaller farms where the farmers do no processing and who 

 sell their own products, satisfactory coverage may be obtained by buying 

 a Farmers' Comprehensive Personal Liability policy and securing suitable 

 endorsements under the policy. This policy does not insure any automobile 

 liability away from the premises nor does it insure farm employees unless 

 an endorsement is secured as part of the policy to insure them. 



