Family at Christmas tree farm

Insurance for Your Christmas Tree Farm

Before you know it, families will be piling into their front-wheel-drive sleigh to kick off a fun, old-fashioned family Christmas by heading to a tree farm to select the perfect Christmas tree.

This treasured holiday tradition of welcoming families to your farm, whether to cut their own tree or purchase a pre-cut tree, comes with a variety of risks. For example, injuries can occur from trips and falls while walking the property, or from handling the tree while trying to secure it the vehicle.

General Liability Insurance

In the event an accident occurs, a comprehensive general liability insurance policy may compensate you for damage. Our Commercial General Liability program protects business owners and operators from a wide variety of business-related liability exposures, including:

  • Accidents and/or injuries on your premises
  • Accidents and/or injuries caused by the products you sell
  • Operations you perform
  • Liabilities you assume through specific types of contracts

Additional Insurance Considerations

While general liability insurance is a good place to start, other insurance types should also be considered.

Commercial Umbrella Insurance

For assurance above and beyond what your core business coverages can provide, Commercial Umbrella Insurance provides coverage over a single underlying policy or several different underlying policies. The limits provided by this policy will not respond to the loss until after some specified underlying policy limits are spent, exhausted, or otherwise unavailable.

Product Liability Insurance

In the event someone claims your product caused them harm, Product Liability Insurance would cover legal defense costs.

Workers’ Compensation Insurance

Worker’s Compensation is a state-mandated system under which employers provide insurance for benefit payments to employees for their work-related injury, death, and disease regardless of fault. It covers you in two ways:

  • Compensation for the employee for job-related injuries, regardless of negligence
  • Protection from liability suits brought by workers against the employer

Commercial Property Insurance

The loss of property due to fire, theft, or natural disaster could be devastating.  Commercial Property Insurance covers the cost of repairing or replacing your business-related property, such as buildings and equipment.

There’s no question of the importance of proper insurance coverage. Our agency is experienced in specialty insurance. Contact a member of our team for assistance with an insurance program tailor-made for your operation.

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