Agritourism &Farm Experience Insurance.
Agritourism operations sit at the intersection of farm operation and public attraction. State agritourism statutes provide a defense framework when their requirements are met — but they don't eliminate the need for coverage, and standard farm policies don't address the attraction side.
A farm operation and a public attraction.
An agritourism operation is two businesses sharing one set of fields. The farm side — crops, livestock, equipment, seasonal labor — looks like agricultural work. The attraction side — public visitors, paid admissions, weddings, hayrides, food service, retail sales — looks like commercial recreation. Standard farm policies were built for the first business and don't fully address the second. Standard CGL was built for the second and doesn't address the first. The program has to address both, and it has to coordinate with the state agritourism statute that frames the legal environment.
The Statute Is a Defense, Not Coverage
State agritourism limited-liability statutes provide a defense framework when their requirements are satisfied — sign posting, contract language, warning provisions. They do not replace insurance. Most exclude claims arising from negligence, defective conditions, and certain other circumstances where the operator's conduct, not the inherent activity, caused the injury. The statute and the policy work together; neither substitutes for the other.
Sign Compliance Is Insurance Underwriting
Carriers writing agritourism accounts increasingly evaluate statutory sign compliance as part of risk quality. Pennsylvania's Agritourism Activity Protection Act, like statutes in many other states, specifies particular sign placement, sign language, and contract warning requirements. Underwriters reviewing a renewal want to see that the operator has the statute working in their favor — because if it isn't, every claim costs more to defend.
Program architecture for an agritourism operation.
CGL with Agritourism Endorsements
Commercial general liability with endorsements addressing public admission, attraction operations, hayrides, animal contact exposure, and the public-attraction side of agritourism activity.
Farm Property Coverage
Property coverage for farm structures, equipment, livestock, and farm operations. Specialty farm forms address the farm side of the operation that homeowner and standard commercial property don't.
Special Event Coverage
For weddings, corporate events, and other functions held at the farm. Coverage scope addresses guest exposure, vendor interaction, and event-specific scenarios that day-to-day operations don't.
Liquor Liability
For weddings, tasting events, and farm-based beverage operations where alcohol is served. Standard farm CGL typically excludes liquor exposure.
Commercial Auto — Hayride & Transport
For tractors, hayride vehicles, shuttle vehicles, and other transport used in agritourism operations. Specialty endorsements address the public-passenger exposure that farm auto forms don't.
Workers Compensation
For seasonal staff, full-time farm employees, and the mix of agricultural and service workers common in agritourism operations. State-specific WC rules for agricultural workers vary materially.
Product Liability
For U-pick produce, baked goods, beverages, jams, and other items sold to the public. Food product exposure is meaningful and not fully covered by standard farm forms.
Commercial Umbrella
Above the CGL, special event, liquor, and auto layers. Public attraction operations create severity exposure that justifies meaningful umbrella tower above the primary program.
Agritourism insurance — answered.
What insurance does an agritourism or farm experience operation need? +
Agritourism and farm experience operations need a coordinated program that addresses both the farm operation and the public-attraction exposure that traditional farm policies typically don't fully address. The complete program includes commercial general liability with agritourism-specific endorsements addressing public access and attraction operations, farm property coverage, commercial auto for hayride and transport vehicles, workers compensation for seasonal staff, liquor liability where alcohol is served at events, special event coverage for weddings and similar functions, product liability for U-pick produce, baked goods, and other items sold to the public, and commercial umbrella.
What is an agritourism limited-liability statute? +
Most U.S. states have enacted agritourism limited-liability statutes that, when their requirements are satisfied, provide farm operators with a defense against certain claims arising from inherent risks of agritourism activities. Statutory requirements typically include specific warning sign posting at the farm entrance and attraction areas, written warning language in event tickets or admission documents, and limitations on the activities and conditions that qualify for protection. The statutes do not provide blanket immunity — they provide a defense framework, and most exclude claims arising from negligence, defective conditions, and certain other circumstances.
How does Pennsylvania's agritourism statute work? +
Pennsylvania's Agritourism Activity Protection Act, signed into law in 2018, provides limited liability protection for agritourism activity providers when a participant is injured or killed as a result of the inherent risks of an agritourism activity, provided specific requirements are met. The Act requires posting of specific warning signage at the entrance of the agritourism location and inclusion of statutory warning language in any written contract entered into with a participant. The protection does not apply to injuries caused by negligence, willful or wanton conduct, dangerous conditions known to the provider, or other excluded circumstances.
Adjacent farm and event hubs.
Four generations of specialty placement.
Kelly Insurance Group traces its lineage to 1881 — from Pittsburgh's Grant Street to a specialty brokerage placing programs for farms operating both production agriculture and public-attraction agritourism. The coverage architecture has to span both businesses, and our team has placed these programs across Pennsylvania and beyond.
READ THE FULL HISTORY →Specialists in agritourism placement.
Agritourism programs require brokers who understand the state agritourism statute framework, the farm-side and attraction-side coverage architecture, and the special event coordination that wedding and corporate event farm operations need. Our team has placed these programs.
MEET THE KIG TEAM →Client Portal · COIs on Demand
Most KIG clients receive access to our custom client portal for 24/7 certificate generation — essential for agritourism operators managing wedding vendor certificates, school field trip certificates, and event venue certificates across the season.
Discuss your agritourism program.
Tell us about your operation — attractions offered, seasonal volume, event business mix, and state where you operate. We structure programs around the actual attraction profile and the state agritourism statute framework that applies.
- Pumpkin patch and corn maze operations
- U-pick orchards and berry farms
- Petting zoos and farm animal experiences
- Hayride and farm transport operations
- Wedding and event barn operations
- Christmas tree farm operations
- Farm-based festivals and harvest events
- Agritourism school and group programs
// COVERAGE AVAILABILITY, TERMS, AND ELIGIBILITY VARY BY CARRIER, STATE, AND INDIVIDUAL OPERATION. STATE AGRITOURISM STATUTE LANGUAGE AND REQUIREMENTS VARY MATERIALLY AND CHANGE OVER TIME — VERIFY CURRENT REQUIREMENTS WITH COUNSEL. THIS PAGE DESCRIBES COVERAGE CONCEPTS GENERALLY. CONTACT KIG TO DISCUSS YOUR SPECIFIC AGRITOURISM OPERATION. KIG TRACES ITS AGENCY LINEAGE TO 1881.