Guides
Plain-language answers on certificates of insurance, coverage basics, and running a seasonal patch — written for the people running them, not for insurance professionals.
Do You Need a Certificate of Insurance for Your Pumpkin Patch?
Almost no landowner opens a gate without one. Here's what a certificate actually is and the point in the season you'll be asked for it.
7 Things Landowners Typically Require Before You Can Open on Their Property
A farm, church, or fairground won't just hand over a field for October. These are the seven things that come up most.
Additional Insured, Explained: What It Means for Your Landowner
It's the line item that causes more back-and-forth than anything else on the application. Here's what it actually does.
Pumpkin Patch Insurance: The Complete Guide
What a fall attraction business actually applies for, how the season length changes the policy, and what to settle before you sign a land lease.
General Liability for a Pumpkin Patch: What It Typically Includes
An open field with wagons, weekend crowds, and uneven ground is a different risk than a storefront. Here's what a seasonal policy is generally structured to address.
Corn Mazes, Hayrides, and Petting Zoos: How Attractions Change Your Application
Each attraction you add gets its own underwriting questions. Knowing which ones before you apply saves a round of follow-up emails.
3-Month vs. 6-Month Policy Terms: Which Fits a Fall Season
A patch runs eight to ten weeks, and that's before setup and teardown. Here's how the term length actually gets decided.
What Counts as "Gross Sales" on a Pumpkin Patch Application
One field on the form, and the one first-timers get wrong most often. Here's exactly what belongs in that number.
6 Factors That Affect What a Pumpkin Patch Pays for Insurance
Two patches on neighboring roads can land on very different quotes. These are the six things underwriters actually weigh.
How to Start a Pumpkin Patch: A 10-Step Checklist
From confirming zoning to laying out the parking field — the order most first-year operators wish they'd followed.
5 Licenses and Permits to Check Before You Open a Pumpkin Patch
None of these are insurance, but a landowner or a county inspector will ask about all of them before your first carload arrives.
7 Insurance Mistakes Pumpkin Patch Owners Make
Most of these surface the week before opening, when there's no time left to fix them. Catch them in August instead.