It seemed simple enough: pick up some extra income for our farm by offering hay-rides on our property. I didn't even think about what would happen if someone got hurt on the ride - until they did, and I found out I wasn't covered. I should've contacted my independent Westfield insurance agent before deciding to offer entertainment on my farm. She could've advised me on the boundaries of my existing insurance coverage and saved me a lot of grief.

Agritainment - If you are thinking about providing "agritainment" on your farm, such as a hay ride or corn maze, talk to your agent first - you may not be covered for liability if someone gets hurt.