Christmas Tree Lot Insurance

Overview of the Program From Cochrane & Company

Cochrane & Company is a trusted Managing General Agency that places niche insurance programs for seasonal and specialty operations. Our Christmas Tree Lot Insurance provides tailored general liability coverage for businesses that operate during the holiday season, including temporary tree lots, tree farms with public access, “cut-your-own” operations, and small holiday attractions. Policies under this program are written on a non-admitted basis with access to specialty carriers—making it a fit for short-term or otherwise hard-to-place risks.

Ideal Accounts and Appetite

This program targets seasonal Christmas tree operations and related attractions. Ideal classes include:

• Retail Christmas tree lots (temporary sidewalk or parking-lot locations as well as permanent lots)
• Christmas tree farms that invite the public onto their property
• “Cut your own” operations where customers harvest trees on-site
• Lots that offer hayrides, wagon rides, or similar seasonal activities
• Lots that include small amusement devices (bounce houses, kiddie rides) subject to underwriting review

You might have a client who runs a pop-up lot in a shopping-center parking area, or a family farm that operates tree-cutting weekends with hayrides—those are exactly the types of accounts this program was designed to place.

Coverage Highlights and Advantages

• Minimum liability deductible: $500
• Available limits:
  • $1 million per occurrence
  • $2 million general aggregate
  • $1 million products/completed operations aggregate
• Assault & Battery coverage: Included — $25,000 per occurrence / $50,000 aggregate
• Flexible rating: Rates based on admissions and operational exposures, making the program suitable for short seasonal windows or event-style operations

Note: Higher limits are not available under this program.

Underwriting Notes and Minimum Premiums

Underwriting evaluates accounts based on season length, site layout, crowd controls, safety practices, and expected admissions. Minimum premiums vary with the scope of operations, number and type of attractions, and projected visitor volume. Accounts with amusement devices, animal interactions, elevated crowd density, or other higher-risk exposures may require supplemental underwriting or may be ineligible.

Territories and Availability

This program is available in the following states: California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. All placements are non-admitted and placed with specialty markets through Cochrane & Company.

Why Work With Cochrane & Company?

With decades of experience in seasonal and specialty markets, Cochrane & Company gives agents access to hard-to-place risks and responsive underwriting during the limited selling window these clients have. We move quickly on short-term accounts, understand seasonal operations, and can help structure coverages that match the client’s actual exposures. If you need placement support or a market that will consider temporary or unique holiday operations, Cochrane can help.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.