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Liability Insurance For Fall Activities

Fall Activities Need Liability Insurance

Agritainment, also known as agritourism, brings the best out of the fall season. Agritainment is what you’d expect it to be – a blend of agriculture and entertainment. Some of the most popular examples include pumpkin patches, haunted houses, hayrides, and petting zoos but it doesn’t stop there. On these large properties that provide fall activities, accidents can happen anytime, anywhere, and no matter what type of business you’re running, you should consider having liability insurance. We can provide coverage for just about any type of business, regardless of company size, claims history, or the risk involved…because this is our specialty.

Fall Activities Covered

Pumpkin Patches

For families, there is no better destination to revel in the cool weather, admire nature’s beauty, and get a rare glimpse into rural life than a pumpkin patch. The pumpkins themselves are a great attraction (and a necessity come October 31st), but patch owners have added a great deal of entertaining features to make the experience that much more memorable. Some of these activities (hayrides, pony rides, mazes, etc) are tremendously enjoyable for children, but they could also be potentially hazardous.

According to Marsha Salzwedel, research specialist for the National Farm Medicine Center, “Approximately 14,000 children are injured each year on farms and ranches and 40 percent of the injured children are visitors.” If something were to go wrong, patch owners would likely be held accountable. However, there is a way for them to lessen their risk by purchasing pumpkin patch liability insurance to protect themselves and their business from civil claims.

With thousands of kids visiting your pumpkin patch, it’s important to have a custom pumpkin patch liability insurance coverage plan to fill in the gaps of traditional business plans that don’t cover liabilities associated with kids getting injured or worse. Each plan is custom shaped to suit each patch’s specifications (size of the property, activities, events, etc) so that the most amount of coverage can be provided at an affordable premium. Without an effective specialty insurance plan in place, you’re putting your business and yourself at huge risk every time a family or field trip visits your pumpkin patch.

agritainment pumpkin patch insurance

Haunted Houses

Most people go to haunted houses with their friends to get scared, laugh, and have a good time, but there are business owners and operators on the other end that have to worry about making sure everything is scary and getting hoards of people to show up.

While it’s easy to get caught up in the rush to get everything ready, haunted house owners and operators need to keep in mind that not everything always goes as planned, not just with preparation but when the haunted house opens. This is why it’s important to make sure you have certified haunted house liability insurance if you own or manage a seasonal or year-round haunted house attraction. With everything being dark, loud noises in all directions, and people jumping out to scare visitors, it’s inevitable that someone will get hurt and that’s why it’s important to make sure you have the right protection by having a haunted house liability insurance plan in the event that a visitor tries to hold you financially responsible for injuries that may occur.

Other Covered Fall Activities:

  • Petting Zoos
  • Hay Rides
  • Corn Mazes
  • Paintball Courses
  • Face Painting
  • Special Events & Fireworks
  • Amusement & Recreation Places, Devices, and Inflatables
  • Carnivals, Fairs, Festivals, and Family Entertainment Centers
  • And More!

What Could Go Wrong?

We know just how much fun those fall activities can be. Seasonal businesses bring in many families, couples, and individuals every year due to their trendiness. However, are you taking proper precautionary steps to ensure safety? Is it enough?

With each type of activity, there are certain risks to consider. Take a haunted house, hayride, or corn maze for example – the scary and cramped atmosphere might result in employees, props, or a guest to injure someone or something – your company could certainly be held liable. Are there animals present? If you own the animals and one of them bites or attacks a customer, you may be held responsible for the accident. And of course, being the fall season, leaves are all over the ground. Leaves can hide holes or other damage on the ground that could lead to an injury or accident. Here are some real-life examples to illustrate some risks and costs involved in Fall businesses.

These are just a few examples of what could go wrong. There’s only so much you can do to prevent or reduce accidents from happening. For everything else, our liability insurance will give you customized coverage so you and your business can have peace of mind.

Safety Tips for Fall Businesses

Safety Tips For Fall Businesses

The best way to protect yourself from liability is to follow some essential safety tips for fall businesses. This will help keep your customers and other visitors to your Fall attractions as safe as possible. Here are safety tips to help you protect yourself, your staff, and your visitors.

  • Train workers and actors to recognize stress or the onset of a medical condition. Train them to take appropriate action.
  • Eliminate trip hazards. If you cannot eliminate them, make sure you signpost them.
  • Plan hayride routes so that they do not navigate bumpy routes or cross public highways.
  • Assess attractions that use actors to frighten or startle visitors. Remove any object that poses the risk of injury.
  • Do not operate in extreme weather conditions.
  • Ensure the proper safety checks have been carried out.
  • Maintain equipment and facilities.
  • Follow the recommendations made by your local fire department.
  • Ensure evacuation routes are kept clear at all times.
  • Follow all safety procedures. If something seems amiss, make it unavailable to the public.
  • Cover yourself sufficiently against liability claims.

Liability Insurance For Fall Activities

You can’t eliminate risk entirely. Props can fall, animals can bite, and hidden hazards like leaf-covered potholes can increase the chances of you being subject to liability claims.

We appreciate the risks associated with running an agritourism business. Fortunately for those in this industry, our specialty is providing liability solutions for higher-risk occupations and businesses that other insurers shy away from.

It doesn’t matter if your business is new, small, or a fortune 500 company. We provide solutions to liability insurance for fall activities even if you’ve been dropped, non-renewed, or canceled. We are here to help you if you’re struggling to get liability insurance for your fall activities. No matter what the case may be, don’t be a victim of insufficient coverage.

Coverages Offered

We provide customized insurance coverage solutions through an all-in-one approach to fit your needs.

  • Active Shooter Liability
  • Alleged Assault & Battery Liability
  • Animal Liability
  • Alleged Sexual Abuse and Molestation Liability
  • Commercial Auto Liability (available in most states)
  • Commercial General Liability
  • Communicable Disease Liability Coverage
  • Directors and Officers (D&O)
  • Equipment Rental Liability
  • Errors and Omissions (E&O)
  • Excess Medical
  • Excess Casualty
  • Premises Liability
  • Products Liability
  • Professional Liability
  • Property Coverage
  • Riot & Civil Commotion Liability
  • Special Events
  • Spectator Liability
  • True Umbrella
  • And More!


XINSURANCE is a DBA of Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage, providing specialty liability insurance solutions. The company offers insurance solutions when an individual or business has been denied, canceled, or non-renewed by another insurance carrier.

XINSURANCE is a proud member of the Michigan Festivals and Events Association.

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If you need help, have questions, or want us to review your current policy, contact Logan Fitzgerald at 801-304-5562 or

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XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. XINSURANCE is a DBA of EIB, which is domiciled in and has its principal place of business in Sandy, Utah (NPN 5464658). The licensed brokers for EIB are: Rick J. Lindsey (all states except CA) (NPN 91653) & Mike Fennell (only CA) (NPN 1435429).
The advertisement does not contain any assertion, representation, or statement with respect to the business of insurance or with respect to any person in the conduct of his or her insurance business, that is untrue, deceptive, or misleading, and that is known, or that by the exercise of reasonable care should be known, to be untrue, deceptive, or misleading.
Statements made regarding insurance coverage are for general description purposes only and they do not amend, modify, supplement, or alter any insurance policy in any way, including but not limited to claims purposes, nor do they provide details regarding terms, conditions, coverage, exclusions, or services of any insurance policy. Policy eligibility is subject to underwriting qualifications and approval by the insurance company writing the policy. Contact XINSURANCE for more information.

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.