Insurance Programs for Markets & Vendors


FMNS has offered our members deeply discounted farmers’ market and vendor liability insurance packages and health benefits for several years. Please view the following insurance options we currently offer below.

Liability Insurance for Vendors

We’ve partnered with Duuo by the Cooperators to provide our member market vendors with easy access to a deeply discounted vendor insurance solution, particularly for vendors who are looking for short term options.

With 1-day, 4-day, 26-day, and 150-day options and the ability to use this liability insurance at any farmers’ market or event, we think this is a flexible, affordable way for vendors to stay protected with liability insurance.

Why do I need vendor insurance?

Our vendor liability coverage protects you if a liability claim is filed against you in the event you cause Bodily Injury or Property Damage to the event host or visitors to your booth during the time you are operating as a vendor. With Duuo, you also have the option to include coverage for your own business property.
Duuo covers vendors selling a range of products, including soaps, skin care products, local produce, crafts, and more!  Find all the info and sign up here!

Commercial Liability Insurance

Starting in 2022, our ongoing partnership with the Co-operators has been expanding to provide you with many more opportunities to save money on your insurance needs. Through this partnership, FMNS member markets and their vendors save at least 30% on any commercial liability insurance plan with the Co-operators through Blain King Insurance and Financial Services. The benefits this partnership with our preferred insurance provider include:

  • Preferred-member insurance rates

  • Customizable coverage options

  • No-fee flexible payment plans

  • Specialized risk management advice

More information about the Co-operators and these plans:

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At Co-operators, we work every day to support the unmet economic, environmental, and social needs of all Canadians, helping them build more resilient and sustainable communities.

As a co-operative with deep roots across Canada, we put people first and are invested in the success of our communities. We understand that every business faces unique challenges. That’s why we offer competitive products, customized solutions, helpful resources, and dependable advice to meet your evolving business insurance needs. Simply put, our business is to take care of yours.

Having the right insurance and employee benefit programs is important for a co-operative like yours. Count on one of our specially trained financial advisors to tailor a plan to the needs of your co-operative, with rates that won’t stretch your budget.

Our Co-op Guard policies combine all the protection you need in one complete package:

Essential Liability Coverage for financial protection against lawsuits

  • Commercial General Liability

  • Tenants Legal Liability

  • Non-Owned Auto Liability

Specialty Liability Coverage to protect you from claims arising from your actions

Property, Loss of Income and Crime Coverage to cover any buildings or other property your co-op owns, and the loss of income while your business is closed due to an insured loss.

Contact your insurance advisor, Ian Leger at (902) 457-4457,, or

Note: These new programs are designed to ensure that your market receives the coverage and flexibility to meet your needs. For existing certificate holders on the previous group rate plan, Blain King Insurance and Financial Services will guarantee your 2021 rate for 2022.

Employee Health Benefits Package for FMNS Members

Did you know that as a member of the Farmers’ Markets of Nova Scotia (FMNS) Cooperative, you’re able to take advantage of a unique Employee Benefits Package designed specifically for self-employed farmers’ market vendors and/or farmers’ market-based businesses with 1 to 5 employees?

This farmers’ market sector-specific group health insurance plan is the only one of its kind in Canada. The program has been made available through FMNS’ partner broker, Selectpath, and is administered by RWAM Insurance.  You can find more information here;  for a brochure outlining the summary of group benefits and rates, click here