Insurance for the Holiday Seasonal Businesses

Baker Insurance & Bonds is the wholesale market for seasonal and holiday businesses — Christmas tree lots, pumpkin patches, holiday light installers, seasonal retail pop-ups, and the events that come with them. Agents send us the risk and we place the general liability (and property, where needed) that landlords and municipalities require before a lot can open.

Most of these operations run for only a few weeks, so coverage is written to match: short-term and seasonal terms, general liability limits that satisfy the property owner's contract, and additional-insured endorsements naming the landlord, city, or festival organizer.

Typical classes we quote include cut-your-own and pre-cut Christmas tree lots, wreath and greenery sales, pumpkin patches and fall agritainment, holiday and residential light installation, and seasonal kiosks. Hayrides, inflatables, animals, or food service on the same premises can usually be added or scheduled — tell us what happens on the lot and we'll match the appetite.

Send the operation's location, dates, expected sales or attendance, and any contract requirements and we'll turn a quote around quickly so your client can sign the lease and open on time.

** Terms used here are a summary only. Always refer to the policy form for actual terms, conditions, and exclusions.