What is Pick Your Own?
Pick Your Own (PYO) operations—also known as U-Pick farms—allow visitors to harvest produce directly from the grower’s property. These agritourism businesses offer a hands-on experience for customers and are popular during harvest seasons for fruits, vegetables, and flowers. However, inviting the public onto farmland introduces a range of liability exposures that make specialized insurance coverage essential.
Who needs it
Pick Your Own insurance is typically sought by farm operators, agricultural event organizers, and small-scale growers who open their property to the public. This coverage is especially important for family farms, seasonal businesses, and community-supported agriculture (CSA) operations that host school groups, tours, or festivals.
What it typically covers
This type of insurance generally includes:
- General liability – Protects against bodily injury or property damage claims from customers, such as a slip-and-fall in the orchard.
- Participant accident coverage – Offers limited medical coverage for minor injuries sustained by visitors during their time on-site.
- Property coverage – May include protection for barns, produce stands, and other physical structures used in the operation.
- Equipment coverage – Helps safeguard tractors, wagons, and tools used during the harvest season.
Coverage may also extend to product liability, which is important if you sell raw or processed food items on-site or at markets.
Common exclusions or limitations
Typical exclusions may include:
- Injuries caused by unauthorized activities, such as off-limit areas or unsupervised equipment use
- Negligence due to lack of signage or poor maintenance
- Events involving alcohol without proper licensing or coverage
It’s important to review any policy for exclusions related to operational hazards and transportation risks, especially if hayrides or shuttle vehicles are involved.
Factors that influence cost
Premiums for Pick Your Own insurance are influenced by several underwriting factors, including:
- Number of visitors expected per season
- Types of crops offered and harvesting methods
- Presence of additional attractions (e.g., petting zoos, corn mazes)
- Facility risks, such as uneven terrain or limited parking access
Risk management practices—like staff training, clear signage, and designated picking areas—can also play a role in the underwriting process.
Proof of insurance & compliance
Some states or event organizers may require proof of insurance before allowing public access to farmland or participation in local festivals. A certificate of insurance (COI) can demonstrate your coverage to landowners, municipalities, or vendors. It’s a key part of operating responsibly and meeting venue or partnership requirements.
How to get a quote
Getting a Pick Your Own insurance quote is simple. Just provide details about your operation—such as location, expected attendance, and planned activities—so an underwriter can assess your exposure. Start your quote today and protect your farm with coverage tailored to your seasonal needs.
Get a quote now
Frequently Asked Questions
Is Pick Your Own insurance required by law?
Requirements vary by state and venue. While not always legally required, coverage is strongly recommended to protect against liability claims.
Does this insurance cover foodborne illness claims?
Some policies may include product liability, which can address claims related to the sale or consumption of contaminated produce. Review your policy for specifics.
What if we offer hayrides or petting zoos?
Attractions like these may increase risk and should be disclosed when applying for coverage. Additional endorsements may be needed.
Can I get coverage for one season only?
Yes, many providers offer policies tailored to seasonal operations. Be sure to discuss this when requesting a quote.
What should I do if a visitor is injured?
Ensure the person receives proper care, document the incident, and notify your insurance provider as soon as possible.
Still have questions? Talk to a local insurance expert.