What You Need to Know About Christmas Tree Farm Insurance

Here’s what you need to know if you own a Christmas Tree Farm.

Many families have a tradition of going to a Christmas tree farm to pick out a tree. For those of us who prefer “the real thing” to plastic, it can be a lot of fun for everyone. When it comes to running a Christmas tree farm, however, the hardworking men and women on the other side have some things to think about.

Any farm, whether it’s a business or a hobby, needs insurance to make sure that its property and expensive equipment are safe. Public exposure is another thing to think about when running a Christmas tree farm.

Even though many farms get visitors on occasion, few get the kind of crowds that come to Christmas tree farms.
Here are some things to think about when it comes to Christmas tree farm insurance and how to get enough Christmas tree farm insurance:

Make sure your liability limits are adequate

Farming is a business, and all businesses need some kind of insurance to cover them if something goes wrong. Even hobby farms need liability insurance in case a visitor gets hurt on their property or their property gets damaged because of what they normally do.

It’s too easy to think that not getting liability insurance will save us money in the long run because we aren’t exposed to any “big events.” However, liability insurance can protect your farm from all kinds of accidental damage or medical payments, legal liability defense costs, and even liability costs arising from the occupancy of your Christmas tree farm or its occupancy. A key part of good Christmas tree farm insurance is having enough liability limits.

Your insurance may also cover the following risks related to liability:

  • Pesticide application (liability coverage)
  • Personal actions outside your farm’s premises (liability coverage)
  • Any damage to rented buildings or buildings on the property (liability coverage)
  • Buildings that are being built or fixed up (compensation if you or one of your employees gets hurt while working on a project) (liability coverage)
  • If you offer any agritourism activities to tourists (liability coverage),
  • Pollution causes harm (liability coverage)

To make sure that your Christmas tree farm insurance policy has enough liability coverage to protect your business, you should think about the total value of your assets, such as your buildings, equipment, and any high-value real estate you may own.

All of these can be seen by anyone, which means they could affect the size of a lawsuit if you ever have to face one. Don’t worry, Hitching’s agents are here to help you find a policy that covers your operations well enough.
Still, it’s important to remember that the size of your assets is not the only way to tell how likely you are to be sued.

Liability risks for your Christmas tree farm

To make sure that your Christmas tree farm insurance has enough liability coverage, you will need to look at the following parts of your farm:
Think about the size and scope of your business as a whole, especially the amount of foot traffic. As a Christmas tree farm, you can expect to be busiest between November and December.

Christmas tree farms are not “one-size-fits-all” businesses; each one is different in how it runs. Do you let your guests cut down the trees on their own? Are there trees that have already been cut, or do your employees cut down trees for your guests? Do you lend out equipment? What about getting around? Do you offer rides to your orchards in a carriage?

Another factor is where you live. Some places will have more liability claims than others. This is especially true for farms that are close to big cities.

Protecting your trees that still have roots

When you run a Christmas tree farm, you are exposed to the risk that the weather and unplanned events pose to your trees that are still growing roots. Most commercial policies won’t cover trees that are still growing, or they won’t cover them enough.
Personal farm property can include trees that have been cut down and are set out for sale. You might be able to get crop insurance, but if you’ve never had it before, you’ll need to work with an agent to figure out how much it will cost.

Think about any threats to the property of your Christmas Tree Farm

Under the property section of your Christmas tree farm insurance policy, you can cover your farm’s equipment, tools, items for sale, and buildings. Working with a professional insurance agent can help you figure out how much coverage you need and what might need to be included. They may tell you what kinds of risks are associated with certain buildings and if older or unused outbuildings can be taken off your policy to save money on premiums.

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