Christmas Tree Liability

For members of your association

Keelson Partners offers a competitive and affordable liability insurance program available through Great Northern Insurance Company a member of the Chubb Group of Insurance Companies, rated “Superior A++” by “A.M. Best” (Rating Guide for Insurance Companies).  Admitted in all states.

Insurance Coverage
As a seller of Christmas trees, you need a specialized liability policy to protect your premises and products sold.  We offer insurance programs for the following:

Tree Farms, including Choose & Cut  This includes coverage for the acreage upon which your trees are grown and sold. Premium is based on the number of acres.  Choose & Cut Farms are subject to equipment limitations (Please See Coverage Limitation Below Signature).

Retail Lots This includes the Christmas tree lots you operate.  Premium is based on the number of lots with premium discounts for multiple lots.

what type of coverage do you get for your money?

Liability Limits Available
There are four limits of liability from which you may choose: $300,000; $500,000; $1,000,000; or $2,000,000 each occurrence & aggregate limits.  Higher limits are available upon request.

Policy Term
The coverage is an annual policy term, from September 1st to September 1st.  Applications received after the effective date, are bound the day accepted.

$500.00 per occurrence.  The deductible applies to all loss adjustment expenses.

General Liability provides premises and operations insurance for claims arising from the operations of your Retail Lot, Choose & Cut or Tree Farm.

Products Liability provides insurance for claims arising from the sale of your product.

Personal and Advertising Injury Liability protects you against claims involving libel, slander and invasion of privacy.

Contractual Liability

Broad Form Property Damage Liability

Fire Legal Liability

Pesticide or Herbicide Liability provides insurance for claims arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of Pesticides or Herbicides at or from your premises.  This coverage carries $100,000 or $200,000 Limits of Liability and a $1,000 Deductible.

Exclusion Of Coverage
There are various exclusions contained in your policy.  These include, but are not limited to, such items as auto, employment practices, pollution, asbestos, workers compensation, terrorism, and Pumpkin operations or sales. Additionally, your policy does not cover premises medical payments.  For more information on the coverage exclusions, please contact us.

Purchasing Group Membership
By applying for this insurance the applicant also is applying for membership in the Christmas Tree Liability Purchasing Group, a purchasing group formed and operating pursuant to the Liability Risk Retention Act of 1986 (15 USC 3901 et seq.).