Are You Properly Insured?

Insurance folder_generic

When you throw agritourism into the mix, farms aren’t just farms anymore. They’re more like amusement parks, and a farm that has potentially thousands of visitors in a year will need a much different insurance policy than a farm that’s not open to the public.

Eric Toftegaard, account executive, commercial lines, for New York-based Tompkins Insurance, says it’s important for growers to understand the risks they face when opening their farms to the public. “With agritourism, you’re putting people who are not used to being around farms on your farm. Therefore, you get kids who are excited and parents who are not often used to having their kids have 10 acres to run on,” he says. “You get the normal stuff — slips and falls, which are pretty common.”

However, he adds, a lot of farms tend to “self insure” and not carry as high a limit as they should. “You’re taking two completely polar opposite things — an amusement park, which has all sorts of safety features, procedures, medical staffs, and waivers, and you’re crossing that with a farm, which typically has nobody on it, and has a lot of machinery that is big, bulky, and dangerous,” he says. It’s paramount that growers think about how much they’re worth, the risks involved in agritourism, and how much liability they might need in the event of an accident.

Make Proper Assessments
One of the biggest mistakes Toftegaard says he sees growers make in regard to their insurance policies is not properly assessing what they have. A farm that has animatronics, jumping pillows, rat wheels, and other kinds of games and rides is going to need a much different policy from a standard farm, for example.

On top of that, Toftegaard says agritourism is uncharted water for a lot of insurance companies. “It hasn’t been around for a long time, and there’s not a lot of data or research that they can go by, because it’s so new,” he says.

The best thing agritourism operators can do to make sure they’re protected, says Toftegaard, is sit down with a broker or agent who really understands the business, the culture of the people in the area, the target market for customers, and also how to help with more than just insurance. “You need someone who can tell you what information you should get if somebody falls and gets hurt — someone who knows how to create procedures and can offer advice,” he explains.

You should also be careful not to sell yourself short, Toftegaard says. “The more things you’re doing — offering cooking on the premises, for example, — that all comes with more premiums,” he says. “When you add the pumpkin cannons and jumping pillows and bring 25,000 people on your property, you’re no longer just a farm.”

Leave a Reply

Featured Stories
Wildflower planting to support bees on a Michigan blueberry farm. (Photo Credit: Emily May)
Fruits
December 2, 2016
Food Company Invests $4 Million In Pollinator Habitat
General Mills, Natural Resources Conservation Service, and the Xerces Society announce multi-year commitment to help pollinators prosper. Read More
(USPP#26,610) A yellow clingstone nectarine that ripens between June 16 to 26. The fruit is very large, firm, has great flavor and has good storage and shipping qualities. The tree is large and vigorous and produces an excellent crop. Requires approximately 450 hours of chill.
Fruits
December 2, 2016
The Burchell Nursery 2017 Variety Showcase [Slideshow]
The Burchell Nursery, Inc., in Oakdale, CA, offers a new self-fertile almond, an early-season nectarine, and a late-season peach. Read More
Grower Jonathan Brown of Bethel Farms inspects his citrus grove.
Citrus
December 2, 2016
Citrus Survey Shows Florida Growers Are Bully For Bactericides
Growers are betting unique crop protection tools will bridge the gap to bigger HLB solutions. Read More
Photo credit: USDA
Citrus
December 1, 2016
Bio Huma Netics App Now Released For Android Smart Phones
App includes foliar application calculators and ability to save application data. Read More
Low-volume center pivot irrigation at Jones Potato Farm in Florida
Farm Management
December 1, 2016
Florida Farmers Are Good For The Environment
All three recipients of this year’s Agricultural-Environmental Leadership Awards are proof of agriculture’s longstanding commitment to conserving the Sunshine State's precious natural resources. Read More
Premier™ Honeycrisp was discovered by the growers at Mount Ridge Fruit Farms in Adams County, PA. Premier™ is a complete tree sport of Honeycrisp that matures three weeks earlier. From what we’ve observed, Premier™ shares many of the same attributes of the original Honeycrisp and should not be considered a red strain. USPP#24,833 (DAS 10 CLTV.)
Fruits
December 1, 2016
Adams County Nursery 2017 Variety Showcase [Slideshow]
Adams County Nursery, Inc., in Aspers, PA, offers a Honeycrisp strain that ripens three weeks before the original variety. Read More
CBS This Morning citrus story interview
Citrus
December 1, 2016
Telling The Story Of Florida Citrus More Important Now Than Ever
HLB forces an emphasis on grassroots efforts to paint a positive picture. Read More
2016 Florida Ag Expo tomato variety field tour
CEU Series
December 1, 2016
CEU Series: Back A United Front To Fight And Defeat Pests
Coordination and integration are key factors to any successful crop protection battle plan. Read More
This watermelon seedling is showing Fusarium wilt symptoms. The first symptom that appears on infected plants is wilt in a single leaf or a single vine.
Photo credit: Kathryne Everts
Crop Protection
November 30, 2016
The Effect Of Soil Fertility On Fusarium Wilt In Watermelon
Ongoing research sheds light on the role soil health plays in the severity of the deadly pathogen. Read More
Produce case at Hopcott
Fruits
November 30, 2016
‘Dirty Dozen’ — Dirtier Than You Think [Opinion]
Find out how the Environmental Working Group is making money off its annual list that slams conventional produce. Read More
The Latest
Fruits
December 2, 2016
Food Company Invests $4 Million In Polli…
General Mills, Natural Resources Conservation Service, and the Xerces Society announce multi-year commitment to help pollinators prosper. Read More
Fruits
December 2, 2016
The Burchell Nursery 2017 Variety Showca…
The Burchell Nursery, Inc., in Oakdale, CA, offers a new self-fertile almond, an early-season nectarine, and a late-season peach. Read More
Citrus
December 2, 2016
Citrus Survey Shows Florida Growers Are …
Growers are betting unique crop protection tools will bridge the gap to bigger HLB solutions. Read More
Citrus
December 1, 2016
Bio Huma Netics App Now Released For And…
App includes foliar application calculators and ability to save application data. Read More
Farm Management
December 1, 2016
Florida Farmers Are Good For The Environ…
All three recipients of this year’s Agricultural-Environmental Leadership Awards are proof of agriculture’s longstanding commitment to conserving the Sunshine State's precious natural resources. Read More
Fruits
December 1, 2016
Adams County Nursery 2017 Variety Showca…
Adams County Nursery, Inc., in Aspers, PA, offers a Honeycrisp strain that ripens three weeks before the original variety. Read More
Citrus
December 1, 2016
Telling The Story Of Florida Citrus More…
HLB forces an emphasis on grassroots efforts to paint a positive picture. Read More
CEU Series
December 1, 2016
CEU Series: Back A United Front To Fight…
Coordination and integration are key factors to any successful crop protection battle plan. Read More
Crop Protection
November 30, 2016
The Effect Of Soil Fertility On Fusarium…
Ongoing research sheds light on the role soil health plays in the severity of the deadly pathogen. Read More
Fruits
November 30, 2016
‘Dirty Dozen’ — Dirtier Than You Think […
Find out how the Environmental Working Group is making money off its annual list that slams conventional produce. Read More
Vegetables
November 30, 2016
Harris Moran Seed Company 2016 Vegetable…
For more information, contact Harris Moran Seed Company: 260 Cousteau Place, Suite 210, Davis, CA 95618 800-320-4672: WEBSITE hmclause.com FAX: Read More
GenNext Growers
November 30, 2016
Virtual Conference Designed For New, Beg…
National Farmers Union to present a conference that is entirely web-based. Read More
Insect & Disease Update
November 30, 2016
Florida’s Top Citrus Growers Sound…
Fighting pyllids, better weather, and new varieties will hopefully bring improved yields. Read More
More Vegetables
November 30, 2016
Keys To Successful Bell Pepper Productio…
Proper water management and pruning strategies can help improve yields. Read More
More Vegetables
November 29, 2016
Clifton Seed Company 2016 Vegetable Vari…
For more information, contact Clifton Seed Company P.O. Box 206, Faison, NC 28341 910-267-2690; CliftonSeed.com FAX 910-267-2692; [email protected] Read More
Fruits
November 29, 2016
New Precooler Boasts Shorter Times, Grea…
Global Cooling Inc. has introduced a new portable precooler – the Jet-Ready Precooler. The Jet Precooler is a forced air Read More
Fruits
November 29, 2016
Van Well Nursery Celebrates 70th Anniver…
Nursery known for ‘Red Delicious,’ ‘Fuji,’ ‘Gala’ sports making a name for itself in the 21st century. Read More
Citrus
November 29, 2016
Saving California Citrus Means Thinking …
Saving the California citrus industry from the incurable disease Huanglongbing will take a creative multi-pronged effort. Read More