Georgia Farm Bureau's Leadership Alert - April 7, 2010

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April 7, 2010

www.gfb.org

Vol. 28 No. 14

GFB WORKSHOP PROVIDES TIPS FOR AVOIDING PREMISE LIABILITY Identifying and/or eliminating unreasonable risks present on your property is the best defense against potential premise liability lawsuits, GFB insurance staff and an attorney specializing in agriculture law advised Farm Bureau members during a workshop held at the GFB state headquarters March 31. “The key thing to remember when you open your farm to the public is your risk is increased, and you have a responsibility to look at your operation for potential risks and take steps to prevent accidents,” GFB Underwriting Manager Leanna Sherman said. “Trip and fall” hazards are one of the biggest liabilities agritourism owners have, said GFB District 5 Field Underwriter Joey Shipp. “Treat everyone who comes on your premises as if they’re 2 years old or 90 years old and things will probably go a lot better for you,” he recommended. Shipp advised property owners to fill in holes visitors could fall in and rope off potentially hazardous areas that cannot be fixed or eliminated, such as protruding tree roots, old debris or farm equipment. He also advised posting caution signs to warn visitors of potentially hazardous areas. “If you mix signs with a gate or door you’ve done your due diligence,” Shipp said. “Doors, gates or ropes are important to keep kids or people who can’t read out.” GFB District 6 Field Underwriter Bryan Mitchell encouraged property owners to contact their insurance agents and arrange a farm visit for an insurance underwriter to discuss possible risk exposures and steps property owners can take to limit their liability. “Having a regular plan in place to check your property for potential risks to remedy them is a defense for showing you were being responsible,” Mitchell said. He also urged property owners to review their insurance policies and know what is and isn’t covered, saying, “It’s easier to have this discussion before an accident occurs than having your insurance adjuster have to explain why you aren’t covered.” Property owners operating agritourism venues can do simple things like walking through their corn mazes daily to check for holes that need to be filled or checking the air pressure on equipment used for hayrides. Doing so establishes that reasonable inspection procedures were being followed, which can offer a defense should a lawsuit be filed, said Joel McKie, an agricultural lawyer with the law firm Hall, Booth, Smith & Slover, P.C. “Your goal is not to win a lawsuit but to eliminate risks to avoid being sued,” McKie said. “You know holes are going to develop in your corn maze and strawberry field, so you need to level them out as long as it’s business feasible.”


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