At Andres O’Neil & Lowe, we love seeing local farmers and neighbors in Northwest Ohio turn passion into profit. Maybe you started by selling extra eggs from your backyard chickens, offering fresh produce in your roadside stand, selling honey to your coworkers, or sharing homemade jam with your friends. But now, you’re eyeing a regular booth at the farmers market—or maybe you’ve already set up one.
It’s exciting when your small or hobby farm becomes something bigger. But as your farm grows, so do your risks—and the coverage you started with may not be enough to protect what you’ve built.
When Does a Hobby Farm Become a Business?
Many hobby farmers never think of themselves as business owners because they “just:”
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Put out a roadside stand with a cash box
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Ask for donations for extra produce
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Give away eggs to friends and neighbors
But once you start:
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Selling regularly at farmers markets
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Advertising your products online or on social media
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Hiring occasional help
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Hosting farm tours, workshops, or you-pick pumpkins
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Offering processed goods like jams, baked goods, or candles
…you’ve moved from “hobby” to “business.” And your old insurance may not follow you there.
Why Upgrading Your Insurance Matters
Picture this: Your homemade salsa becomes a local hit, but a customer claims it made them ill. Or your roadside stand causes an accident when someone pulls over unexpectedly. Suddenly, your personal homeowners or farm policy might not cover the claim—leaving you and your growing business exposed.
Proper farm business insurance helps protect:
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Your products and homemade goods
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Liability for accidents or injuries while on your farm or from using your product
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Your market stand, tools, and equipment
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Structures like hoop houses, greenhouses, or roadside sheds
Local Agents Who Understand Your Journey
At Andres O’Neil & Lowe, we live and work in your community—right here in Bryan, Archbold, Hicksville, and Wauseon. We know what it takes to move from “just enough” coverage to a business insurance plan that truly protects your hard work. And we proudly serve all of Northwest Ohio, including Defiance, plus Northeast Indiana and beyond.
We don’t believe in one-size-fits-all policies. Instead, we’ll sit down with you, learn your story, and help build coverage that fits your farm today and where you hope to take it tomorrow.
Ready to Take the Next Step?
If your roadside stand, backyard flock, or small orchard is turning into something more, don’t wait until there’s a claim to discover you’re unprotected.
Contact Andres O’Neil & Lowe today for a free, no-pressure insurance review. You can give us a call, stop by one of our local offices in Bryan, Archbold, Hicksville, or Wauseon, or click here to reach out online.
Your passion deserves protection. Let’s make sure your insurance is growing right alongside your business.
