Seasonal coverage for tree lots & pumpkin patches

Insurance for the season your lot is open.

Whether you run a Christmas tree lot, a pumpkin patch, or both, we connect you with insurance professionals who understand short-season, seasonal businesses. Get a certificate of insurance for your landlord, and request a fast, free quote.

Request My Free Quote →Get a Certificate of Insurance

Neat rows of young evergreen trees growing on a hillside tree farm, with rolling countryside in the background

Both eligible

Tree lots and pumpkin patches — one or the other, or both

Seasonal coverage

Terms built for businesses open only part of the year

Certificates of insurance

For landlords who require proof before you set up

Fast, free quotes

Request coverage in a few minutes

Built for two kinds of seasonal lots

Run a Christmas tree lot, a pumpkin patch, or both under one roof — we quote either, or the combination.

Rows of trimmed evergreen Christmas trees growing in a grassy field

Christmas Tree Lots

General liability coverage is generally intended to help protect a tree lot from customer slip-and-falls, tree-stand mishaps, and other everyday risks — including lots that offer a “cut your own tree” experience.

A large pumpkin field with orange pumpkins spread across the rows, hills in the distance

Pumpkin Patches

Coverage is typically structured around the everyday operation of a patch — walk-through fields, wagons, and seasonal foot traffic. Add-ons like hay rides or petting zoos are asked about separately so they get underwritten correctly.

Pumpkins of different sizes displayed on stacked hay bales

Doing Both?

Plenty of seasonal lots run a tree lot in November and December and a pumpkin patch in September and October — often on the same property. Our application lets you check both, so one submission covers your whole season.

Young evergreen tree saplings growing in a grassy nursery field

Only open a few weeks a year? That's the point.

Seasonal coverage is available for businesses that only operate part of the year — you shouldn't have to pay for a full 12 months of coverage when your lot is only open for a few weeks. Tell us your season on the application and request a term that matches it.

Start your application →

For landlords & property owners

Need a Certificate of Insurance for your landlord?

Many shopping centers, churches, farms, and other property owners require proof of insurance — a Certificate of Insurance (COI) — before they'll let a seasonal lot set up on their property. Our application has a dedicated section for this: tell us who needs to be named as an additional insured, and what limits your landlord requires.

How the limits typically work

Standard general liability coverage is typically structured as $1,000,000 per occurrence / $2,000,000 aggregate. Check your lease or contract with the landlord to confirm that limit is sufficient for their requirements.

If a landlord requires higher limits, those can be quoted — just note the requirement on your application and it will be reviewed.

Start My Application →

How it works

Fill out the application

Tell us about your tree lot, pumpkin patch, or both — locations, season, and any special activities.

We connect you with someone

A licensed insurance professional reviews your application and reaches out.

Get your quote

Most straightforward applications hear back within one business day.

Ready to request your quote?

The full application takes about 10 minutes. No obligation.

Start My Application →

General information only. This page is for educational purposes and is not insurance, legal, or financial advice. Coverage, terms, and availability vary by carrier, state, and individual risk. ChristmasTreeLotInsurance.com is not an insurance agency — see our full disclaimer.