Understanding Liability Coverage for Farm Visitors and Agritourism

Welcoming visitors to your farm or ranch can be a rewarding way to diversify your business, share your passion for agriculture and connect with your community. However, opening your property to the public, whether for tours, events or agritourism activities, also introduces significant liability risks. Teaming up with a qualified insurance professional, such as those at Don Ramatici Insurance, A HUB International Company, can help make sure you’re suitably covered for these situations.

What Makes Agritourism Liability Coverage Needs Unique?

Unlike traditional farming operations, agritourism involves direct interaction with the public. Activities such as pumpkin patches, corn mazes, farm stays and educational tours can expose your business to many potential claims if a visitor is injured or their property is damaged while on your premises.

Key Components of Farm Liability Insurance

Farm liability insurance is designed to help financially protect your operation from claims related to bodily injury or property damage involving visitors. For agritourism businesses, coverage needs may include:

• General liability insurance for accidents during guests’ visits
• Medical payments coverage to help cover visitors’ injuries, regardless of fault
• Product liability for issues involving goods sold or served on-site
• Special events or seasonal coverage, such as for harvest festivals

Who Needs This Coverage?

If your farm regularly hosts outside parties, such as school groups, festival goers or tourists, or operates any activity that brings guests onto your land, you should highly prioritize procuring customized liability coverage. Even small-scale or occasional events can create liability exposures that standard farm policies may not fully address. Lacking appropriate coverage could incur devastating losses that might disrupt your agritourism interests and your operations as a whole.

How Don Ramatici Insurance, A HUB International Company Can Help

We work closely with farmers and agritourism businesses in and around Petaluma and Sonoma County, CA to identify coverage gaps and procure farm insurance packages that include liability coverage suited to each operation’s unique needs.

Contact us today to get started.

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.