WHAT KIND OF ACTIVITIES ARE CONSIDERED COMMERCIAL AT MY FARM?
While a homeowner’s policy may typically cover pleasure use of a farm or ranch on your property, anything that is income-producing could be considered commercial activity. This includes anything from offering apple picking to the public to selling hay to neighboring farms.
Providing services for sale can also be considered a commercial activity. If, for example, you agree to board a neighbor’s horse for a fee, housing a non-owned horse and collecting revenue is considered a commercial equine exposure. In another scenario, if that horse kicks someone visiting your property, your homeowners insurance may not cover the potential damages, from medical bills to legal costs. Also, risks potentially leading to a product liability claim could come from selling fruits or vegetables at a roadside stand or farmers market.
To best determine if your farm operation is insured properly, call us at AIC Insurance, at (509)-764-4447. With offices in Moses Lake and Quincy, we are here to help provide you the best service and the coverages to fit your needs.