Re: community_garden digest, Vol 1 #1671 - 7 msgs

**C*@aol.com**

Corrie,

Has rhat organization explained  why theyare ceasing coverage?

We, at the Community Gardens of the Avenue of the Flowers ( a tax-exempt, 
non-profit corporation) in Thousand Oaks, California, operate the Las Flores 
Community Garden on land owned by our local park district.

Now beginning our third year, we've seen our liability insurance premium  
rise from $950 to $1,015 and this year to $1,350! That includes a rise in the 
broker's fee from $200 to $250!
We have made no claims. Our insurance is through the Chubb Group
with participation by a company called Franey in Virginia.  We've been unable 
to find a viable alternative insurer, so far.

Our policy includes some ridiculous coverages, such as aircraft, boats
(we're more than twenty miles from the ocean or a navigable river) and this 
year, out of the kindness of their hearts, we have the option of adding  
ANTI-TERRORIST coverage at an additional charge. The only terror that visits our cg  
is from gophers, ground squirrels, mice and rabbits.

In my opinion, if this unavailability  and/or constant escalatingof liability 
coverage for community gardens is as widespread as it seems to be, there 
needs to be a call for a national conference (including Canada) to press for 
reasonable 
liability insurance premiums , perhaps in the form of a continent wide 
insurance  pool covering all non-commercial community gardens.

Sincerely,

Don Jacobs

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