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Three young children on a hayride | Fall business insurance

New World, New Insurance Solutions for Fall Businesses

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, hay rides, 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.


As we continue to monitor COVID-19, XINSURANCE will be here today, tomorrow, and in the future; providing service, answering questions about risks, helping you with commercial and individual liability risks, and more. New and emerging risks are being realized every day, and XINSURANCE has always been at the forefront of meeting new risks and perils head-on. We just want you to know that we are here for you and to give you true peace of mind. We are happy to answer any questions you have about opening or reopening your business this fall!

We recommend that businesses and individuals follow CDC guidelines for planning, preparing, and responding to COVID-19. They also provide plenty of prevention and support tips. As for XINSURANCE, we are following guidelines and recommendations from the CDC along with the directions of state and local leadership to ensure the health and safety of our employees. Our teams are ready to do what it takes to get the job done!

Fall Activities Covered:

In short, we help a countless number of companies, no matter their situation, so be sure to contact us to get a quote.

Here are some examples:

  • Pumpkin Patches
  • Petting Zoos
  • Haunted Houses
  • 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 in the ground that could lead to an injury or accident.

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.

Liability Insurance For Fall Activities

It doesn’t matter if your business is new, small, or a fortune 500 company. We provide liability insurance even if you’ve been dropped, non-renewed, or cancelled. 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. Let XINSURANCE be your partner and give you the peace of mind you deserve so you can focus on running a successful business.


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

  • Commercial General Liability
  • Equipment Rental Liability
  • Commercial Auto Liability (not available in all states)
  • Professional Liability
  • Products Liability
  • Spectator Liability
  • Premises Liability
  • Special Events
  • Riot & Civil Commotion Liability (new coverage option)
  • Excess Medical
  • Property Coverage
  • Communicable Disease Liability Coverage (new coverage option)
  • D&O, E&O
  • Wrongful Acts
  • Animal Liability
  • Active Shooter Liability
  • Alleged Sexual Abuse and Molestation Liability
  • Alleged Assault & Battery Liability
  • And More!


XINSURANCE is powered by Evolution Insurance Brokers, LC, an excess and surplus lines brokerage. We provide specialty customized coverage for businesses and individuals. Our underwriting team brings you over 30 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your protection.  If you’ve been denied, non-renewed, or canceled coverage, we can help. We take on risks others simply can or will not.

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

Contact Us

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

Contact us and get a quote today!


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.