insurance Coverage for a Small Producer in NY (Dropped bt NYCM)
My homeowners insurance company (New York Central Mutual) just dropped me because of my on-site maple syrup operation. The contention is the added risk of fire, home based retail, and the product liability is unacceptable to them. I do my processing in a detached building, am using modern equipment, and follow the procedures to the best of my knowledge, and produce less than 100 gallons of syrup.
So the question is: What do similar producers do for instance coverage? **Don't think that not telling them is the answer, because they say that any claim I would have filed that was traceable to the maple syrup operation would have been denied (this is why they investigate fires, etc.).**
I'm sure there are many home based operations faced with the same situation. Any advice would be appreciated.
Last edited by Ghs57; 01-26-2023 at 09:44 PM.
Gary / Zena Crossroads / 42˚ 00' 24" N / Hobby in Early '70s, Addiction since 2014
175+ taps on 3/16 (60 of which are on two Lunchbox Vac/Releasers)
12x34 timber framed sap house w/attached 10x34 shed roof for storage
2 x 6 Smoky Lake hybrid pan on Corsair arch with AUF/steam hood/preheater/concentric exhaust
7.0 KW Sun Power PV System, Smokey Lake Filter Press/Steam Bottler, Modified NGMP RO - 2 4x40 posts 200 gph