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ISSUE DATE: 05/09/2011

Layers of protection include liability insurance

By Jennifer M. Latzke

There's a list of things to consider when deciding to start an agritourism business. What activities should we offer? Why would people be drawn to our farm or ranch? Where's our labor pool and how much time do we want to commit to this enterprise?

But the one thing that concerns many operators is liability insurance.

Creating a plan

No one plans on having an accident at an agritourism enterprise, but it's important that operators have plans in place to handle accidents when they arise.

Concerns about liability coverage are rising among small business owners. According to the National Federation of Independent Business, in 2004 a survey showed 30 percent of small business owners ranked the cost and availability of liability insurance as the second most important insurance concern--following health insurance.

"Liability is the No. 1 question we get," said Becki Rhoades, with the Kansas Department of Commerce Agritourism Promotion division. "One of the things we encourage is a holistic approach to risk management, versus just buying a policy."


Ag broadcaster Ron Hays named DASNR Champion
AgChat Foundation celebrates 1-year anniversary
FSA deadlines approaching
Layers of protection include liability insurance
Legislators benefit from LeadAR focus on economic, rural development
New ag publications available
Opportunities abound for Arkansas agritourism
Preferred stock
Sen. Roberts addresses symposium on agroterrorism
Soil, nitrogen, weeds on post-flood checklist
Students have 'designs' for southern Sudan
The clock is ticking for NBAF construction
Wild Women of the Frontier seeks new members


Ag Water Enhancement Program applications open
April report pegs corn supply at 5% of total use
ASA joins Alliance to Feed the Future
Camp Rocky will teach youth about natural resources
Comparing continuous and rotated corn
Eureka farmer selected as America's Farmers Grow Communities winner
Evaluate corn stands now for emergence
Extension to host wheat production workshop
Farm rally draws a crowd
Field crop scout training offered May 10
Governor leads drought tour
Groundwater research is topic of seminar
Herbicide residuals can affect planting after failed wheat
Kan. cleared to reopen water dispute with Neb.
KGFA elects new chairman
K-State hosts ag events
K-State to host Wheat Field Day May 31
Planting corn
Questions remain about corn and soybean demand
'Re-Born to the Land' conference set for May 18 in Amarillo
Resource updated for Ark. rice growers
Soybean buyers explore feed industry
Tractor safety program offered in Smith Center
UNL Extension to host plant ecology, management short course
USW cooperators share OVA program results, insights
USW hosts Japanese milling executives
Western Neb. family wins award
Wheat Diagnostic School offered May 11 to 12


4-H Beef Cow Camp is June 7
Beef promotions to feature local cattle farmers
Beef Quality Conference videos available online
Black cherry trees can harm livestock
CEP committed to sustainable ag
Consider early weaning for the beef herd
Consider using grass for replacement heifers
DNA tech in beef cattle is focus of conference
Extension to dedicate new 4-H livestock barn
Governor congratulates Irsik & Doll for 50 years in business
Hogs bring economic stimulus to Missouri
Iowa Beef Industry Council seats new directors, re-elects officers
Iowa's Best Burger winner named
Juniors will 'Follow the Red Angus Road'
Market cattle to genetic potential
MSGA Mid-Year Meeting set for June 9 to 10 at MSU
MSGA works to ensure ranchers' voices are heard on bison management
NCBA submits comments on school nutrition standards
NMSU announces Endowed Dairy Chair
Sheep growers benefit from low supply, high demand
Stockgrowers discuss Animal Disease Traceability Framework
Study to focus on feed efficiency of beef cattle
Take steps to slow cattle thieves
U.S., Colombia reach trade deal
USMEF VP testifies in congressional funding hearing
Volunteers needed for Miles of Smiles


Balancing the budget on empty stomachs
Blast destroyed more than levee
Spring flooding


Frontier Farm Credit pays $4.75 million in patronage
Government accountability, bottom to top
Header transport offers true tracking
High commodity prices make for vexing 2012 farm bill debate
In other agribusiness news...
Just a scoop full
New castration tool stops bleeding
New skid steer loaders launched
Pioneer Hi-Bred takes regional approach to hybrid development
True passions displayed
World Pork Expo offers excursions


Amarillo livestock auction report
Apache livestock auction report
Cool spring temps slow snowmelt, delay grass growth
Cool temps, intermittent rain limits fieldwork
Dalhart livestock auction report
Despite cool temps, small grains advance
Dodge City cattle sales report
Ft. Smith livestock auction report
Georgia livestock auction summary
Goldthwaite sheep sales report
Grain market close
Hay prices steady
High Plains slaughter news report
Joplin livestock auction report
Kansas hay moderate
Many producers receive rain
Most of state gets some precipitation
OKC West livestock auction report
Pratt 3 p.m. cattle sales report
Pratt livestock auction report
Presho livestock auction report
Rains continue, soaking the southeast
Range, pasture feed conditions mostly very poor to fair
Salina livestock auction report
Spring planting progress slow
Springfield livestock sales report
Tama feeder cattle auction report
Tulsa livestock auction report
Warmer and drier weather
West Plains regional cattle sales
Wheat harvest active in south central Texas
Wheat sees solid gains, then losses
Winter wheat rated in mostly fair to poor condition
With continued precip, minimal planting progress made
Woodward livestock auction report
Wyobraska cattle auction report


Approval of Roundup Ready alfalfa brings promises, challenges
Extension to host management intensive grazing school
Managing nutrition of grazing cattle
Pine Ridge and Badlands Grazing and Bird Tour set for May 17 to 18
Quality Forage Bermuda Hay program closing energy value gap
Ranchers, county assess Melrose grass fire losses
Students praise Grazing School for Novices


Adding organic matter in spring can improve garden soil
Afton 4-Her named a top youth volunteer
Alexander Ranch receives conservation award
Control of orchard grass in lawns not easy
Dickinson 4-H hosts Wild Bill Kick 'Em Up Beef Shoot-out
Feed the need
Groen ideal for large family
Keep food safe during power outages
Master Gardener classes now offered
Meditation for 5-9-11
MU Extension to host food preservation classes
Soups travel well
Texas Ag Open breaks fundraising record
Tips for growing peaches
UNL to host ServSafe program for food handlers

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