Neither a tree lot nor a pumpkin patch runs on a calendar year, which is why the application asks for a term length instead of assuming one.
The 3-month term
Fits a business that opens and closes inside a tight window — a tree lot running from the weekend after Thanksgiving through Christmas Eve, for example, is roughly four weeks of sales but often closer to ten to twelve weeks counting setup, the sale period, and teardown.
The 6-month term
Fits a longer season or a business that wants coverage bridging two events — a pumpkin patch that opens in early September and runs through early November, then reopens for a smaller holiday tree lot in December, might find a 6-month term simpler than applying twice.
What happens outside the term
Coverage applies during the policy period you select — not before it starts and not after it ends. If setup begins two weeks before your listed open date, make sure the term you choose actually starts early enough to include it.
Picking between them
Count backward from your last teardown day to your first setup day, add a buffer week on each end, and pick whichever term comfortably covers that full span. When in doubt, the 6-month term costs more but removes the guesswork.