It was a simple vegetable stand, something that I had done for years. Farm fresh apples, peaches, pears - the kind of freshness you can't buy at the local grocery store. I never gave much thought to the parking and traffic problems the stand created as people stopped to browse the stand, until there was a car accident as a result of the traffic congestion. I didn't think to talk to my independent Westfield agent about the stand, I later learned she could've helped me avoid this liability.

Product liability - A typical farm liability policy may not cover your liability for products you sell on your farm. You may need additional product liability coverage in case of food-borne illness or other potential problems with the product you sell.