This subject has always concerned me. We have tons of people out on our small farm (photographers etc.), have regular farm insurance covering stuff, like cows getting out, people picking up equipment etc. but when my wife started doing weddings at our place we had to get more, cost us $260 per year for "events".
Now, if we were to allow alcohol on our property it is a different story, 95% of companies would not even write a policy. We still haven't figured that one out yet as most anyone who has a wedding wants/needs alcohol.
Seems like most people just roll without it and don't worry and never have a problem? Our insurance agent said you need to have enough coverage to where it becomes more attractive to deal with the insurance than to sue you for your personal property. There are lots of things on a farm that could hurt you if you are jacking around acting like an idiot, but there are tons of people doing hayrides, pumpkin patches, and general farm tourism stuff that never lose sleep over it?
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Today's Featured Article - A Lifetime of Farm Machinery - by Joe Michaels. I am a mechanical engineer by profession, specializing in powerplant work. I worked as a machinist and engine erector, with time spent overseas. I have always had a love for machinery, and an appreciation for farming and farm machinery. I was born and raised in Brooklyn, New York. Not a place one would associate with farms or farm machinery. I credit my parents for instilling a lot of good values, a respect for learning, a knowledge of various skills and a little knowledge of farming in me, amo
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