Fall into coverage: supporting small businesses this fall
As the leaves turn and the air gets crisp, small businesses across the country gear up for one of the most festive and profitable times of the year—fall seasonal events. From pumpkin patches and harvest festivals to pop-up markets and fall festivals, these events bring communities together and boost local economies. But with all the excitement comes risk—and that’s where local insurance agents can help by offering seasonal event insurance.
Why fall events need coverage
Fall events often involve:
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- Large crowds
- Temporary structures (tents, booths, stages)
- Food and beverage service
- Live entertainment
- Outdoor activities (hayrides, corn mazes, petting zoos)
Each of these elements introduces potential liabilities—from property damage and personal injury to weather-related disruptions. Small business owners may not realize the extent of their exposure, especially if they’re hosting an event for the first time.
Coverage options to consider
Local agents can offer tailored solutions that protect both the business and the event attendees. Key coverage types include:-
- General liability insurance: covers bodily injury and property damage claims.
- Liquor liability insurance: essential if alcohol is served.
- Commercial property insurance: covers damage to rented or owned equipment and structures.
- Workers’ compensation: required if the business hires temporary staff or volunteers.
Tips for agents to engage small businesses
Understand the business cycle:
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- Identify peak seasons for different industries (e.g., fall for pumpkin patches, summer for fairs).
- Tailor coverage options to match the business’s operational calendar.
Promote flexibility:
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- Highlight short-term policies (e.g., 1-day to 3-month coverage).
- Offer scalable options that can grow with the business or adjust based on event size.
Educate on risk management:
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- Explain the importance of coverage for liability, property damage, and worker injuries—even for short-term operations.
- Share real-world examples of claims to illustrate value.
Final thoughts
Fall events are a golden opportunity for small businesses—and for local insurance agents to demonstrate their value. By offering proactive, personalized coverage, agents can help protect their customers and also strengthen their role as trusted advisors in the community.