When the holiday season nears, there’s nothing more exciting than visiting a Christmas tree farm to pick out your new evergreen. Christmas tree farm owners are also very excited to welcome everyone and share in a joyous moment filled with holiday spirit. However, before we get ahead of ourselves, Christmas tree farm owners must ensure they have the right protection for their business. Otherwise, things can go upside down fast if the business is faced with litigation, damages, and third-party claims.
With Christmas tree farm insurance, owners can choose the type of insurance policies and coverage they want to protect themselves and their business.
At ALIGNED, we help businesses and organizations find the right insurance for their business to operate confidently.
Why is Christmas Tree Farm Insurance Important?
Christmas tree farms operate on vast areas of land, utilizing specialized and dangerous equipment to get customers the Christmas tree of their dreams. Whether it’s selecting the tree, cutting it down, or tying it to the car, there are risks along the way.
- A customer is injured on your Christmas tree farm and files a lawsuit.
- Your equipment is damaged by an extreme weather event and requires fixing or replacement parts.
- You cause damage to the customer’s car while tying the Christmas tree, and they file a claim alleging property damage.
- While tying the Christmas tree, it falls over and injures the customer.
- A competitor sues you for slander, and you have to pay defence costs.
Christmas tree farm insurance ensures your farm is protected against these risks.
What Does Christmas Tree Farm Insurance Include?
Commercial General Liability Insurance – also called CGL insurance, commercial general liability insurance provides coverage for injuries, bodily harm, and property damages occurring to a third party during your business operations or while they are on your premises. For example, if a child falls and gets injured while running around, you are covered for lawsuits, losses, and medical expenses.
Products Liability Insurance – there’s always a chance someone claims the Christmas tree they bought caused them harm. Products liability insurance will protect you from claims against property damage or bodily injuries (i.e., an allergic reaction) that your products may have caused.
Commercial Property Insurance – your business relies on your building and equipment to operate successfully. It’s important to ensure your assets are protected in the event of a fire, vandalism, flood, or other natural accident beyond your control.
Umbrella Liability Insurance – for extra layers of protection on top of the coverage limits of your underlying Christmas tree farm insurance policy.
Find the Right Christmas Tree Farm Insurance from ALIGNED
ALIGNED works with Canada’s top insurance companies to provide custom insurance packages at affordable prices. Contact an ALIGNED commercial insurance specialist for a free quote, or use our free online tool.
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