Do I need insurance for my pumpkin patch?

I own a farm in Pennsylvania and we’ve been growing pumpkins for years. This year, we want to open it to the public. Do we need to get some sort of insurance to do so?

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Answer provided by
Chloe Jenkins
Answered on May 02, 2022
“Opening up your pumpkin patch to the public is a great way to share the holiday spirit and rake in some cash this fall!
Since you’ll be allowing the public onto your property, you will definitely need insurance. Talk to your agent about which coverages are required, as they will vary depending on several factors, including:
1. Specifics about your pumpkin patch:
  • Intended hours of operation
  • What your business is registered as
  • Any on-site attractions or games
  • What you plan to charge participants
  • Annual gross revenue
  • The year that any buildings were built and specifications for each
  • What kind of equipment or machinery is located on the premises
2. The worth of:
  • On-site buildings
  • Equipment
  • Machinery
  • Farmhouse
  • Crops
3. Any preemptive protections you may have in place:
  • Are there proper protocols to make sure the public stays in open areas and not in restricted parts of the farm?
  • Does the pumpkin patch have security cameras?
  • What rules does the pumpkin patch have in place for the public and employees, and how are they being enforced?
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