The Hartford doesn’t offer agritourism insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Agritourism Insurance?
Agritourism insurance is a package made up of different types of business insurance coverages designed to help protect you from the risks you might face as you welcome guests to your property. Whether it’s a visitor slipping in mud, a fire damaging your event barn or lost income from a canceled harvest festival, having agritourism insurance can help you be better prepared to handle challenges. An agritourism insurance package can include these common types of coverage:
- Business Owner’s Policy (BOP)
- Commercial auto insurance
- Workers’ compensation insurance
- Cyber insurance
Why Might You Need Agritourism Insurance?
Agritourism insurance is a collection of coverages that can help protect you from the surprises that come with opening your farm, ranch or other agricultural business to the public. Even with the best planning, accidents can happen.
Agritourism insurance can help shield your ranch or farm from many potential risks, like:
- Guest Injuries: A visitor trips during a corn maze event and sues you to pay for their medical bills.
- Equipment Theft: Your tools and tractor are stolen from your barn overnight.
- Business Interruption: A major storm cancels your event and you lose revenue.
What Agritourism Insurance Coverages Might I Need?
When it comes to protecting your agritourism business, you’ll need coverage that matches your potential risks. Many agritourism companies have a Business Owner’s Policy (BOP) because of the peace of mind it can provide. It combines three types of coverage into a single policy, including:
General liability insurance to help protect your farm or ranch from claims that it caused bodily injury or property damage to others. For example, if a guest gets hurt during a wagon ride, general liability insurance can help pay their medical bills or your legal costs if you get sued.
Commercial property insurance to help protect the owned or rented building you operate from, as well as the inventory, tools and supplies you rely on. These can include:
- Harvesters
- Seed spreaders
- Irrigation systems
- Tractors
- Tables and chairs
- Hand tools
Business income insurance to help replace lost income if you can’t operate your farm or ranch temporarily because of covered property damage.
It’s important to remember that a BOP won’t cover every kind of claim you might face in the agritourism industry. You’ll need to get other types of coverage to give your business well-rounded protection, including:
How Much Does Agritourism Insurance Cost?
Although The Hartford doesn’t offer coverage for agritourism businesses, here are the average costs our small business customers pay for common types of insurance. You can use these amounts to help estimate your costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
Keep in mind that the cost of agritourism insurance varies because every property faces unique risks. Insurance companies may consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific agritourism business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A guest fell during our haunted hayride event and had to be taken to the hospital.”
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
Product Liability Insurance
“A customer had an allergic reaction to a jar of jam we sold in our farm store. She claimed we didn’t label it correctly.”
Product liability insurance helps protect your business from claims that a product you made or sold caused bodily injury or property damage to someone else.
Workers’ Compensation Insurance
“One of my staff members tripped and fell while setting up for a wedding at the farm. He had to go to the hospital and needed physical therapy.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“My events coordinator used the farm truck to pick up supplies for an event. He accidentally hit another car while waiting in traffic.”
Commercial auto insurance helps cover the cost of claims related to an accident that you or an employee caused while driving a company-owned vehicle for work.
Commercial Property Insurance
“A fire in our kitchen damaged our appliances and destroyed a lot of our inventory.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Business Income Insurance
“A storm caused severe damage to our crops and blew down the tents we set up for an event. We had to cancel and reimburse customers for their tickets.”
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage.
Get a Quote for Agritourism Insurance Options
You've put so much work into building your agritourism business. Help protect it by getting a quote through Tivly today.
Last Updated: January 29, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed January 2026.
3 National Safety Council, “Top 10 Preventable Injuries 2023,” viewed May 2025.
4 National Fire Protection Association, “Fire Loss in the United States,” viewed May 2025.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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