Pumpkin Patches and Corn Maze Insurance — Cochrane & Company
Cochrane & Company offers a focused program for seasonal farm attractions and fall events under the Pumpkin Patches and Corn Maze Insurance program. Designed for independent agents who place seasonal operations, this program provides tailored general liability coverage and flexible limits for pumpkin lots, pick-your-own patches, corn mazes and related on-farm amusements.
Overview of the Program from Cochrane & Company
This Managing General Agency places coverage for seasonal attractions with an appetite for small to mid-size pumpkin patches, pre-picked pumpkin sales, and corn maze operations. The program is set up to handle weekend and seasonal exposures, including a limited allowance for amusements and hayrides that operate off public streets.
Authorized Classes and Ideal Accounts
Typical accounts that fit this program:
- Pre-picked pumpkin lot sales and seasonal pumpkin stands
- Pick-your-own pumpkin patches and family farm attractions
- Corn mazes used for daytime or limited nighttime seasonal entertainment
- Seasonal operations that may include amusement devices or hayrides that do not operate on public roads
Not a fit: large permanent amusement parks, operations regularly using public roadways for rides, or accounts with significant alcohol sales or large-scale mechanical rides (discuss on a case-by-case basis).
Coverage Highlights and Advantages
- Competitive per-patch or admissions-based rates designed for seasonal businesses
- Limits up to a $3,000,000 general aggregate with competitive occurrence and personal/advertising injury limits
- Coverage can include products/completed operations exposure for seasonal sales
- Ability to add common on-farm activities so agents can place multiple exposures on one policy
- Low minimum premiums suitable for small seasonal operators
Maximum Limits Available
- $3,000,000 General Aggregate
- Included Products/Completed Operations Aggregate
- $3,000,000 Personal/Advertising Injury
- $3,000,000 Occurrence
- $100,000 Damage to Rented Premises
- $1,000 Medical Payments maximum limit
- $100,000 / $300,000 Assault and/or Battery sublimits
Fun Facts and Underwriting Terms
- Competitive rates on a per-patch or admissions basis
- Low minimum premiums — exact minimums vary by state and account
- Premiums are 100% fully earned for seasonal programs
- $500 per-claim liability deductible (standard; subject to change by underwriter)
Underwriting Notes and Typical Submission Requirements
To quote, Cochrane & Company typically requests:
- Completed application describing operations and season dates
- Loss runs (3–5 years preferred for renewal accounts)
- Estimated admissions, gross receipts and breakdown of on-site activities
- Site layout or map showing location of attraction, parking and ride routes
- Details on controls for lighting in night mazes, staffing, signage and first-aid procedures
Underwriting is flexible but will review mechanical ride exposures, food and beverage sales, alcohol service, and large special events on a case-by-case basis.
Territories and Admitted Status
States available: CA, ID, MT, NM, OR, WA, WY.
Admitted status: No States — this program is offered through Cochrane & Company as a non-admitted/surplus placement in the listed territories. Carrier availability varies by submission.
Why Place This Business with Cochrane & Company
Cochrane & Company brings targeted expertise for seasonal farm attractions and understands the operational rhythms of fall events. Agents will find competitive limits, specialized endorsements for common seasonal exposures, and underwriting that accommodates smaller, family-run patch operations as well as larger commercial farms running multiple attractions.
Example Accounts
- A family farm that runs a pick-your-own pumpkin patch on weekends and a corn maze on select evenings — needs seasonal liability and products coverage with limits to reflect admissions.
- A community pumpkin lot with pre-picked pumpkins, a hayride that stays on private property, and a small vendor area selling baked goods — requires combined liability and products/completed operations coverage.
Contact Cochrane & Company for submission guidance, appetite confirmation, and quoting details for Pumpkin Patches and Corn Maze Insurance.