Are You Properly Covered? Agritourism Insurance & Risk Management Explained

What’s the biggest risk in agritourism—and are you actually covered for it?In this episode, we sit down with Kim Ayers from Risk Services Levitt to break down the essential role of insurance and risk management in protecting your farm, your guests, and your business.From liability coverage to signage, vendor risks, and real-world claims, this conversation clears up common misconceptions and gives you practical strategies to reduce risk, stay compliant, and operate with confidence.Whether you're running a corn maze, pumpkin patch, or full-scale agritourism attraction, this episode is a must-listen for safeguarding your operation and planning for growth.• The essential insurance coverage for agritourism operations• Differences between farm liability, general liability, and umbrella policies• How attractions like corn mazes, jump pads, and inflatables impact coverage• The importance of proper signage and inherent risk notices• Best practices for handling incidents, documentation, and claims• How business structures (LLCs, corporations) affect liability exposure• Managing risks with third-party vendors like food trucks and rentals• Choosing the right insurance carrier as your business grows• Avoiding coverage gaps with strong contracts and risk planning00:00 – Introduction to agritourism risk management02:06 – Key risks when opening farms to the public03:37 – Farm liability vs. general liability04:13 – Overview of essential policies06:10 – Scaling attractions and insurance impact07:38 – Application tips and working with agents08:59 – Preparing for audits and projections10:33 – Signage requirements and updates11:26 – Inherent risk protections12:56 – Incident response: what to do (and avoid)14:00 – Guest safety and reporting protocols17:44 – Managing attractive nuisances19:41 – Real-world claims examples23:27 – Documentation and handling incidents25:19 – De-escalation and liability prevention27:56 – Claims development over time29:47 – Insurance market cycles34:49 – Industry trends and challenges37:49 – Business structures and coverage gaps41:13 – Landowner vs. operator liability43:14 – Vendor and subcontractor risks45:51 – Certificates of insurance explained47:57 – Growth and evolving coverage needs49:16 – Umbrella insurance simplified53:50 – Industry outlook and opportunitiesAny questions? Get in contact with Kim Ayers!https://www.leavitt.com/louisiana/staff/kim-ayers?r=search?p=staff• Risk Services Levitt• Understanding Umbrella Liability Insurance• Inherent Risk Signage (Sample State Guidelines)Find all episodes, resources, and platforms here:Positive Business Action Linktree: https://linktr.ee/positive.business.actionLink in bioEffective agritourism operations aren’t just about creating great experiences—they’re about managing risk proactively so you can grow with confidence and protect what you’ve built.#Agritourism #RiskManagement #Insurance #SmallBusiness #FarmBusiness #Liability #Entrepreneurship #BusinessGrowth #SafetyFirst #Operations