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
high denisty apple orchard washington
Apples & Pears
May 29, 2016
Orchard Systems Matter With Mechanization
“It takes years to turn orchards from a big, wild 3-D tree to a narrow canopy — a lot of Read More
upclose of Israeli apple harvester
Fruits
May 28, 2016
Orchard Automation Is On The Horizon
Industry experts say the advent of fully automated orchard tasks are on the cusp of happening — with a few companies leading the automotive harvest charge. Read More
IFTA Washington Day3 6
Apples & Pears
May 27, 2016
Washington Apple Commission Elects New Leaders
The commission board also approved the export budget of $7.7 million for the upcoming 2016-17 crop, based on a crop of 135 million cartons. Read More
As this view of the San Luis Reservoir shows, California's drought is far from over. (Photo credit: David Eddy)
Fruits
May 27, 2016
California Drought Far From Over For
To preserve orchards and vineyards, growers are expected to fallow up to 350,000 acres of corn, wheat, cotton and alfalfa. Read More
These workers use a platform from Automated Ag for hand thinning. (Photo credit: Christina Herrick)
Apples & Pears
May 27, 2016
How Best To Integrate Man And Machine
If you want to implement labor-saving mechanization, you should start the conversation with the end user – your employees. Read More
Crowd protesting GMOs stock image FEATURE
Farm Marketing
May 27, 2016
Consumers Don’t Really Know What GMO Means, New Study Finds
A study from the University of Florida confirms what many farm marketers suspected: Consumers don't understand genetically modified food and organisms as well as they think they do. Read More
Asian citrus psyllid closeup
Insect & Disease Update
May 27, 2016
Alabama Agriculture Department To Conduct Citrus Psyllid Survey
Currently, Alabama is the only citrus-growing state that has not yet detected citrus greening. Read More
Ready To Spring
Insect Control
May 26, 2016
Temperature, Location Key To Predicting Leaffooted Bug Pressure
This year, leaffooted bugs are expected to be a significant problem in almonds and pistachios, but watching temperature and the Read More
First-year impact of Prunus replant disease at the Firebaugh replant trial; stunted trees in the foreground row were planted in plot of non-fumigated replant soil. (Photo credit: University of California Agriculture)
Fruits
May 26, 2016
Consider Fumigating For Nematodes Before Replanting Almonds, Stone Fruit
Stone fruit and almond growers looking to replant orchards might want to invest in soil samples to assess nematode populations Read More
The Latest
Apples & Pears
May 29, 2016
Orchard Systems Matter With Mechanizatio…
“It takes years to turn orchards from a big, wild 3-D tree to a narrow canopy — a lot of Read More
Fruits
May 28, 2016
Orchard Automation Is On The Horizon
Industry experts say the advent of fully automated orchard tasks are on the cusp of happening — with a few companies leading the automotive harvest charge. Read More
Apples & Pears
May 27, 2016
Washington Apple Commission Elects New L…
The commission board also approved the export budget of $7.7 million for the upcoming 2016-17 crop, based on a crop of 135 million cartons. Read More
Fruits
May 27, 2016
California Drought Far From Over For
To preserve orchards and vineyards, growers are expected to fallow up to 350,000 acres of corn, wheat, cotton and alfalfa. Read More
Apples & Pears
May 27, 2016
How Best To Integrate Man And Machine
If you want to implement labor-saving mechanization, you should start the conversation with the end user – your employees. Read More
Farm Marketing
May 27, 2016
Consumers Don’t Really Know What G…
A study from the University of Florida confirms what many farm marketers suspected: Consumers don't understand genetically modified food and organisms as well as they think they do. Read More
Insect & Disease Update
May 27, 2016
Alabama Agriculture Department To Conduc…
Currently, Alabama is the only citrus-growing state that has not yet detected citrus greening. Read More
Insect Control
May 26, 2016
Temperature, Location Key To Predicting …
This year, leaffooted bugs are expected to be a significant problem in almonds and pistachios, but watching temperature and the Read More
Fruits
May 26, 2016
Consider Fumigating For Nematodes Before…
Stone fruit and almond growers looking to replant orchards might want to invest in soil samples to assess nematode populations Read More
Farm Marketing
May 26, 2016
Who Grows Organically — And Who Doesn…
We surveyed 816 fruit and vegetable growers and found that farm marketers and vegetable growers are much more likely than their peers to embrace the practice. Read More
Farm Marketing
May 26, 2016
Farm Dinners: Your Most Powerful Marketi…
Farm dinners are a hassle. They’re expensive. And ridiculously effective. Read More
Cucurbits
May 25, 2016
Whitefly Threat Has Florida Growers On H…
Researchers, state agencies working together to prevent a potential outbreak. Read More
Crop Protection
May 25, 2016
More Apps Help Growers Identify Insects …
Berries, apples, pears, and cherries now rolled into new app series from Clemson University. Read More
Citrus
May 25, 2016
Monsanto Says Bayer Bid ‘Financially Ina…
Proposal cited as undervalued, not able to address financial, regulatory risks. Read More
Stone Fruit
May 25, 2016
Researchers Study Why Cherry Cracking Af…
German researchers studied how water uptake and fruit skin determined a cultivar’s susceptibility to cherry cracking. Read More
Farm Management
May 25, 2016
Report Highlights Benefits Of Trans-Paci…
National Potato Council says report from the International Trade Commission offers the benefits the free trade agreement would offer growers. Read More
Fruits
May 25, 2016
Farm Bureau Says EPA, Army Corps Of Engi…
AFBF told Congress that the Army Corps' novel interpretations of environmental law are threatening farmers in California and other areas of the country. Read More
Citrus
May 25, 2016
NRCS Invests $4.3 Million To Combat Clim…
The Natural Resources Conservation Service in California is committing funds to help farmers and ranchers mitigate the effects of climate change and help to reduce greenhouse gas emissions. Read More
[gravityform id="62" title="false" description="false"]