Specialized Coverage for Agritourism and Farm Events

As California’s agricultural landscape evolves, many farms are finding exciting opportunities to open their gates to visitors, including for tours, festivals, weddings and other special events. However, while these activities offer new revenue streams and community engagement, they also introduce unique risks that standard farm insurance may not address.

Understanding Agritourism Insurance Needs

Agritourism blends traditional farming with tourism, inviting the public onto your property for experiences like pumpkin patches, corn mazes, wine tastings and farm-to-table dinners. Each of these activities can expose your operation to liability risks, property damage and unforeseen incidents.

Key Coverages for Farm Events and Agritourism

At Don Ramatici Insurance, A HUB International Company, our knowledgeable and experienced team can help farmers in and around Petaluma and Sonoma County, CA find the right coverage for agritourism ventures and welcoming guests. Consider how these situations might impact your coverage needs:

• General liability insurance can financially protect against claims of bodily injury or property damage that may occur during events or tours, such as if an animal injures a guest.
• Special event insurance can offer short-term coverage for one-time or seasonal events, such as weddings or harvest festivals.
• Workers’ compensation insurance should be revisited for agritourism purposes, as hiring additional help or employing seasonal staff may alter coverage needs.
• Business interruption coverage could be particularly important if you’re projecting significant revenue from events, as unexpected cancellation could lead to significant losses.
• Commercial umbrella insurance can provide additional liability coverage for particularly damaging incidents affecting third parties, such as guests or vendors.

How Don Ramatici Insurance, A HUB International Company Supports Your Success

Don Ramatici Insurance, A HUB International Company is committed to helping farm owners and agritourism operators thrive while retaining appropriate financial security. Our specialized insurance solutions can help you maintain suitable coverage at ideal rates.

Contact us today to learn how we can help protect your farm’s finances and future.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.