Christmas Tree Lot Insurance

Christmas Tree Lot Insurance

Need insurance for your Christmas Tree Lot or Tree Farm? Barbee Jackson Insurance has you covered. We work with several of the largest special event insurance carriers that specialize in Christmas Tree Lots and Farms, to get you the best price. The process is fast and simple. Coverage can be bound same day over the phone. Call to get started today (850) 389-2001

Coverage Options

  • General Liability Insurance
  • Commercial Auto Insurance
  • Commercial Property Insurance
  • Inland Marine Insurance
  • Medical Payments Coverage
  • Workers’ Compensation

Why do Christmas Tree Lots need Insurance?

There are several reasons you need to insure your lot but the most common reason for the insurance is at the request of the property owner. Because Christmas Tree Lots are temporary businesses, you most likely lease land from a property owner. The property owner wants to protect his/her financial interest against litigation, so they require general liability insurance to be in place naming them as additional insured.

Another reason is to protect the Christmas Tree Lot owner. Like any other business, things happen out of the control of the business owner. A kid breaks his leg on the lot. A cut Christmas Tree falls injuring someone. Property damage to a vehicle occurs while you help load the purchased Christmas Tree onto the customers car. A fire occurs on the lot burning the inventory. These are just a few reasons you need to protect your business.

Additional Insured

As stated above, a property owner for which you lease the land from may require you to list them as additional insured. An additional Insured refers to someone other than the policyholder who is covered by your general liability insurance. This protects them from a third-party lawsuit in the event of a claim.

General Liability Limits – Christmas Tree Lot
(General Liability & Products and Completed Operations)

Each Occurrence      $300,000      $500,000       $1,000,000      $2,000,000

General Aggregate      $600,000      $1,000,000      $2,000,000      $4,000,000

General Pricing

Pricing depends on the number of locations, the area, the requested limits of General Liability, and any additional coverage options. For a single location with limits of $300,000 you can expect to pay around $350 per policy term. The policy term means from the time you open the business until you vacate the lot. The premiums are fully earned, so no refund is available if you close the lot early.

Additional locations will bring down the per location cost for larger Christmas Tree Operations.

Ready to Get Started!

Our licensed agents are standing by to answer all your questions and get you the insurance you need at a price you can afford. Coverage can be bound over the phone so call today (850) 389-2001.

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