The insurance risks of PYO pumpkin patches

The insurance risks of pick your own pumpkin patches can be avoided if farmers and landowners take care to consider insurance risks.

Pick your own pumpkin patches have become more popular in recent years, as a result a number of landowners have diversified their land to capitalise on the opportunity.

While there is great profit potential in PYO pumpkin picking, failing to make the necessary considerations can also lead to serious financial consequences.

Considerations you should make:

Public Liability Insurance: Public Liability Insurance is paramount due to the various potential hazards. It covers injuries or property damage incurred by visitors.

Protect Temporary Staff: If you hire temporary staff, be aware that existing Employers’ Liability Insurance for permanent employees may not automatically cover temporary staff. You will need to check with your insurer to ensure they have adequate protection.

Manage Working Farm Hazards: Since the public will be visiting active farms with heavy machinery and vehicle traffic, it’s vital to employ visible signage that informs visitors of potential hazards, permitted areas, and designated paths.

Enhance Safety Measures: Implement effective lighting and consider installing CCTV cameras to provide valuable evidence in case of accidents or legal claims.

Ensure Food Safety: If your pick your own pumpkin patch offers food and drinks, such as hog roasts and barbecues, you must have liability coverage, especially if your produce could inadvertently cause illness. Adhere to health and safety standards, provide allergen information, and maintain compliance with food preparation regulations.

Seek Fire Safety Advice: Consult with your local Fire Authority for advice on fire safety measures, particularly if you offer food and host visitors.

You should discuss the insurance risks of pick your own pumpkin patches with your insurance broker for further advice and guidance.

If you do not currently have an insurance broker but need help, please contact us and one of the team will be happy to help you.