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 Business insurance is intended to safeguard the financial assets of a business owner and is a necessary investment for a corn maze business.

 Business insurance is intended to safeguard the financial assets of a business owner and is a necessary investment for a corn maze business.

This article will discuss the primary insurance coverage for corn mazes, general liability insurance, as well as additional policies that are appropriate for this industry.

Corn Maze General Liability Insurance

Every firm, regardless of sector, has risks that should be insured. General liability insurance is the most frequent and comprehensive form of coverage that company owners purchase.

General liability insurance covers the following risks:

Physical harm

Damage to property

Medical expenses

Legal defence and decision

Personal and commercial harm

While general liability insurance is not legally needed for companies, operating without it is exceedingly dangerous. If your company is sued, you might face costs in the hundreds of thousands of dollars (or more). The only way to avoid this sort of catastrophe from destroying your organisation is to have an adequate general liability insurance coverage in place to assist pay for these losses.


Example 1: A bunch of teenagers is making their way into the rear of your trailer to ride a spooky corn maze amusement. One of the teenagers gets distracted and slips on the ramp, cutting her chin on the metal. She needs emergency medical treatment and expects your company to pay for her hospital stay. Your general liability coverage will most likely cover the therapy as well as any additional expenditures.

Example 2: At the conclusion of the season, you give a substantial discount to nearby feedlots for the remaining corn stalks. A client is loading his vehicle when he slips on a stray extension cable and falls, breaking his wrist. He is enraged and threatens to sue you for medical expenses as well as pain and suffering. Your legal expenses and the costs of any settlement will be covered by general liability insurance.

Example 3: A competitor corn maze in your area has filed a lawsuit against you, alleging that your newest television ad slandered their firm. You don’t feel your advertisement was offensive in any manner, but you want to find an effective legal defence firm as quickly as possible. Your general liability coverage will most likely cover your legal expenses, including the cost of a settlement if one is required.

Of course, this is not an entire list of risks covered by a general liability insurance policy, and certain situations may result in a specific peril not being covered. To minimise coverage gaps, it’s always better to speak with your agent about the terms of your policy.

General Liability Insurance Cost

Corn mazes in America pay an average of $300 – $800 each year for $1 million in general liability insurance.

The cost of your coverage will be determined by a number of variables. Among them are your:



Employees’ number

Per-occurrence restriction

The overall aggregate limit

You may be able to get general liability insurance at a lower cost if you buy it as part of a business owner’s policy (BOP) rather than as a separate policy. A business interruption policy (BOP) is a more complete option that covers numerous types of coverage, such as business interruption and property insurance.

Other Coverage Corn Mazes Required

While general liability insurance is the most crucial, there are various different types of coverage to be aware of. Other forms of insurance that all corn mazes should have are as follows:

Insurance for Workers’ Compensation

Workers’ compensation insurance is almost certainly necessary in your state for any business with part-time or full-time workers. When your workers arrive at work each day, they confront a unique set of hazards. Workers’ compensation insurance will pay their medical care and any missed income until they can return to work if they are injured or get sick as a consequence of a job-related accident.

Insurance for Commercial Vehicles

Any automobiles used for company purposes, including personal vehicles, must be protected by a commercial auto insurance policy. This critical coverage protects your company and its workers in the case of a traffic accident. If your employee is determined to be at fault, commercial vehicle insurance will not only cover the cost of repairs, but also any necessary medical treatment for your employee and any implicated third-parties.

Coverage Options for Some Corn Mazes

In addition to the insurance listed above, your corn maze company may need other forms of coverage based on particular features of your activities. Some of them may not apply to you, so be sure to ask your agent whether policies are appropriate for your company.

Insurance for Commercial Property

To keep your corn maze functioning properly all year, you’ll need a number of specialised business equipment and supplies. If any of this equipment is damaged or destroyed in a fire, replacing it might be costly. Commercial property insurance is meant to safeguard your bottom line by covering the loss of your equipment and supplies in the case of a catastrophe.

Umbrella Insurance for Businesses

Even if you have a comprehensive general liability insurance, there may come a moment when a lawsuit exceeds the limits of your basic coverage. In this instance, business umbrella insurance may step in and pay for the remaining losses so you don’t have to.

Additional Security Measures for Your Company

Although investing in company insurance is simple (and necessary), it should not be your first line of defence. Yes, insurance will reimburse your company for cash losses incurred as a result of an occurrence, but it is much preferable to avoid losses altogether.

With this in mind, here are a few steps you can take to better secure your company:

Make use of legally binding contracts and other business agreements. (We provide free templates for several of the most often used legal forms.)

To safeguard your personal assets, form a limited liability company (LLC) or a corporation. (To discover how to incorporate an LLC or company in your state, see our step-by-step tutorials.)

Keep your company licences up to date.

Streamline the internal procedures of your company. This will eliminate unneeded variables from routine activities and establish a secure, consistent environment in which to do business.

If your company is an LLC, you should check into LLC insurance.