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 planning

00:00 – Introduction to agritourism risk management
02:06 – Key risks when opening farms to the public
03:37 – Farm liability vs. general liability
04:13 – Overview of essential policies
06:10 – Scaling attractions and insurance impact
07:38 – Application tips and working with agents
08:59 – Preparing for audits and projections
10:33 – Signage requirements and updates
11:26 – Inherent risk protections
12:56 – Incident response: what to do (and avoid)
14:00 – Guest safety and reporting protocols
17:44 – Managing attractive nuisances
19:41 – Real-world claims examples
23:27 – Documentation and handling incidents
25:19 – De-escalation and liability prevention
27:56 – Claims development over time
29:47 – Insurance market cycles
34:49 – Industry trends and challenges
37:49 – Business structures and coverage gaps
41:13 – Landowner vs. operator liability
43:14 – Vendor and subcontractor risks
45:51 – Certificates of insurance explained
47:57 – Growth and evolving coverage needs
49:16 – Umbrella insurance simplified
53:50 – Industry outlook and opportunities

Any 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.action

Link in bio

Effective 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