Liability Insurance

One of the benefits of PNWCTA membership…
… the best rates for Retail Lot Liability Insurance

INSURANCE COVERAGE: As a seller of Christmas trees, you need a specialized liability policy to protect your premises and products sold. The Christmas Tree Liability Insurance Program includes insurance 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 use exclusions.
  • Retail Lots: This includes the Christmas tree lots you operate. Premium is based on the number of lots with premium discounts for multiple lots.


There are four limits of General 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 on an annual policy term effective 9-01-2019 to 9-01-2020. Applications received after the effective date, are bound the day accepted.

DEDUCTIBLE: $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.

Insurance program administered by:
Keelson Partners
707 SW Washington, Suite 625
Portland, Oregon 97205
503-226-1422 • FAX: 503-226-2488

Application - Liability

Keelson Partners offers association members, that become members in the Christmas Tree Liability Purchasing Group, 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). The Christmas Tree Liability Insurance Program is available in all states.