Do hayride drivers need a special kind of insurance?

I want to host a hayride this year, and I have the perfect stretch of property for it. I even have a big red truck! The only problem is that I don’t know if I need to meet any special requirements. As a hayride driver, do I need to buy any special kind of insurance?

Answer
Hayrides are a fun, easy way to make a little money! But you should contact your insurance provider beforehand to ask about your coverage. While you don’t legally need a special kind of insurance to be a hayride driver, any injuries incurred on your ride could leave you financially exposed!
When speaking with your car insurance provider, ask about purchasing [liability coverage]​​(https://getjerry.com/car-insurance/liability-car-insurance) on the vehicle you’re using. If someone gets injured, your liability policy may help you cover medical bills or damages that result from the incident.
Some insurers also offer temporary or seasonal coverage for things like hayrides, so ask about your options.
Since you’re already looking for business-coverage, start saving on personal car insurance with Jerry. A licensed broker, the Jerry app can help you compare personalized quotes from over 50 top providers like Progressive and Nationwide for free. When you find a better plan, Jerry can help you buy your new coverage and even help cancel your old policy!
Liz Jenson
Answered on Nov 18, 2021
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