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CG insurance question

Jennifer Lynn wrote:

I am researching insurance for community gardens.  Could you please share how your garden lot is insured?  Who is your carrier and how much do you pay?  Did you approach the carrier as an individual or an established organization?

Since the church sponsors the community garden, the church simply has a rider on its insurance policy that covers the garden and garden activities.  We do not pay anything extra for this rider.  Getting the insurance this way is one of the great benefits of having a 501c3 sponsoring organization.

Also, for gardens that are managed by local governments, do the governments handle the insurance?  What are some of the benefits of government involvement/support? 

HA!  At least in Pennsylvania, insurance is NOT one of the benefits of being on public property.  Local governments are so terrified of being sued that ANY organization, be it a community garden, a farmer's market, etc must have its own insurance to operate on public property -- the local governments here do not want the expense of insurance for anything more than they have to and they don't want to be liable in any way whatsoever.  If you're looking for insurance help, it's better to join up with a 501c3 -- no one else can afford it.

Dorene Pasekoff, Coordinator
St. John's United Church of Christ Organic Community Garden

A mission of
St. John's United Church of Christ, 315 Gay Street, Phoenixville, PA  19460

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