Alfa Insurance is now offering coverage for certain agritourism activities and has changed existing farmowner policies to provide new coverage and clarify policy limitations. 

Danny Carter, manager of commercial and farm underwriting, said the policy changes will help Alfa better serve farmers, who founded the company.

“Alfa is deeply rooted in the farms and communities of rural Alabama,” Carter said. “It’s important for us to offer products and services to meet the changing needs of agriculture while making sure customers can easily understand what’s covered if they have to file a claim.”

Last month, Alfa agents began offering coverage for corn mazes, pumpkin patches, hay rides, public tours and special events under a commercial general liability policy. Coverage for U-pick farms is available through a special farmowner policy endorsement. 

“Fall and winter are popular times for outdoor activities and farm visits,” Carter said. “By providing coverage for agritourism activities, our members can have peace of mind knowing they are protected.”

Carter said Alfa is continuing to research affordable options for product liability coverage and hopes to offer a policy to address that need in the future.

In addition to offering agritourism insurance, Alfa has revised its farmowner policy to provide new coverage and clarify certain provisions. Current customers will be receiving a notice outlining changes, which include: coverage for damage to borrowed or rented equipment up to $10,000; coverage for loss or damage to miscellaneous tools used in the farming operation up to $2,000; and coverage for first aid expenses up to $500.

Carter encouraged farmowner customers to review their coverages with their agent or a farm underwriting specialist. For a list of Alfa Farm Services Specialists visit alfafarmers.org/uploads/files/FarmServicesMap.pdf .