Agritainment Insurance

Specialty business insurance solutions tailored to your unique needs.
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Cultivate fun and ensure protection with XINSURANCE as your agritainment insurance partner.

We provide customized insurance solutions for agritainment or farm-based entertainment businesses. This tailored coverage is designed to protect your unique risks, whether you operate a pumpkin patch, hayride, petting zoo, festival, etc. With our expertise, you can focus on growing your agritainment business while we ensure you and your business are secure.

The Importance of Agritainment Insurance

Agritainment insurance isn’t just a safeguard for your business; it’s the cornerstone of peace of mind and sustainable growth in the dynamic world of agricultural entertainment. In an industry where joy and adventure meet the unpredictability of nature and human interactions, the importance of agritainment insurance cannot be overstated. It shields you from the unexpected, ensuring that accidents, injuries, or legal disputes won’t cripple your financial stability or jeopardize the future of your venture. By investing in agritainment insurance, you not only protect your assets and reputation but also create an environment where visitors can enjoy your fall attractions with confidence, fostering loyalty and trust that are essential for long-term success in this unique and rewarding industry.

Take the first step in safeguarding your agritainment business by getting a personalized insurance quote today – secure your business and future success with the right coverage!

Businesses and Fall-Based Activities Covered

  • Fall Festivals
  • Pumpkin Patches
  • Hayrides
  • Petting Zoos
  • Inflatables
  • Axe Throwing
  • Go-Karts
  • Haunted Houses
  • Paintball Courses
  • Face Painters
  • Corn Mazes
  • Special Events
  • Bounce Houses
  • Apple Orchards
  • Farms
  • Property Owners
  • And More!
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Agritainment Insurance Coverage Options

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Equipment Coverage

Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and exclusions in your existing policy. Learn more.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal that you own such as goats or horses at a petting zoo. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Liquor Liability

Coverage for businesses that provide the sale, service, or furnish of alcohol. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Active Shooter Liability

Liability protection in the event of an active shooting taking place on company property. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Products Liability

Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.

Special Events Liability

Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.

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How To Get A Quote

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Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Learn More About Agritainment Insurance

Why Should I Have Agritainment Insurance?

You need agritainment insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having agritainment insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some places, liability insurance may be required.

What Coverage Do I Need for My Agritainment Business Insurance Policy?

The type of insurance coverage needed for agritainment businesses will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick which coverages you want to have on your insurance policy.

How Much Does Agritainment Insurance Cost?

The cost of agritainment insurance varies widely depending on factors such as the size and location of your business, the types of activities you offer, how many visitors you get, the amount of coverage needed, and your claims history. Once we learn more about you and your business, we can provide a quote with an estimated cost.

Can I Be Insured if I've Been Dropped or Rejected by an Insurance Company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

What Risks Do Agritainment Businesses Face?

Agritainment businesses face several unique risks, including:

  1. Visitor Injuries: With activities like petting zoos, hayrides, and corn mazes, there’s a risk of visitors getting injured, leading to potential liability claims.
  2. Property Damage: Damage to property, such as equipment, structures, or crops, can occur due to accidents, vandalism, or extreme weather conditions.
  3. Livestock and Animal Risks: Keeping animals on the premises can introduce risks related to animal behavior, disease outbreaks, or accidents involving animals.
  4. Food Safety: If you offer food products or serve alcohol, there are risks related to foodborne illnesses, contamination, and responsible alcohol service compliance that can lead to legal issues.
  5. Weather-Related Challenges: Agritainment businesses often rely on favorable weather conditions, making them vulnerable to revenue loss due to adverse weather.
  6. And More!

To mitigate these risks, agritainment businesses should have comprehensive insurance coverage, safety protocols, and risk management strategies in place.

Examples of Agritainment-Related Lawsuits

  1. At a haunted house, a plaintiff became frightened when an employee jumped out at her. She ran into a cinder block wall covered with black fabric and needed 2 surgeries to repair her broken nose. Source.
  2. At a corn maze, the plaintiff ran into a figure dressed as Jason Voorhees who wielded a running chainsaw. The plaintiff attempted to run away but fell and broke her leg because of the muddy condition of the field. Source.
  3. At the “Haunted Hotel Ball” party of the Palmer House Hilton in Chicago, a woman fell four floors to her death after attempting to slide down a railing and suffering head trauma. Source.
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Agritainment Insurance Quote

We provide agritainment insurance solutions for farms and property owners that offer farm-based entertainment such as pumpkin patches, apple orchards, bounce houses, hayrides, petting zoos, and more.

The XINSURANCE quote process takes a hands-on and highly engaged approach to helping you find the best coverage for your needs. Submit a quote request today and get in contact with a member of our team to learn more.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service