Agritourism is an expanding and exciting form of recreation on farms and ranches. Traditional farms are finding more uses for their land other than just raising crops and cattle. The following are examples of the types of activities that you may find.

• U-pick operations
• Roadside produce stands
• Pumpkin patches
• Corn mazes
• Christmas tree farms
• Farm tours
• Bed and breakfast operations
• Cabin rentals
• Dude ranches
• Special events such as weddings and company picnics
• Trail and hayrack rides
• Hunting and fishing leases

Insuring these activities requires more than just your standard farm liability policy. When you allow the public onto your farm for a fee, your farm liability insurance provides limited liability protection.

Your agritourism activity is a commercial venture, and you need to insure it accordingly. Some farm insurance policies have endorsements available for fee hunting leases, but they are very restrictive regarding the involvement of the landowner. Some policies also allow for roadside stand and farmer's market liability by endorsement, but again, they are restrictive and are not intended to replace proper commercial insurance coverage.

We are able to insure many types of agritourism activites through both admitted and non-admitted or "surplus" carriers. Our agritourism policies are designed specifically for the risk they are insuring. As the saying goes, a lifetime of work can be lost in a day in court. Properly written liability insurance is essential in protecting your interests and your activities.

Call us at 800-627-2241 if you have questions concerning your current insurance coverage or if you are in the planning stages of a new agritourism venture.

If you already have an agritourism activity that you are looking to market and advertise more effectively, go to KAAPA Country Adventures.