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TMCNet:  A.M. BestTV: O Christmas Tree: Fir Farms Face Season of Risk

[December 23, 2013]

A.M. BestTV: O Christmas Tree: Fir Farms Face Season of Risk

OLDWICK, N.J. --(Business Wire)--

This episode of A.M. BestTV looks at the bevy of risks that exist at Christmas tree farms for customers and employees, including falls in the fields, saw and machinery injuries and exposure to pesticides. Michelle Damiecki, an agent at Farm Family Casualty Insurance Co., in Hackettstown, N.J., discusses insurance coverages, particularly at choose-and-cut operations. Stella Okigbo, assistant editor with Best's Underwriting Guide & Best's Loss Control Manual, said that general liability is a big risk on farms, but workers' compensation risk is the largest due to the potential for machinery-related accidents. Andrew J. Cole, owner of Cole's Country Tree Farm in Milford, N.J., talks about the use pesticides, and the possibility of crop-damaging disease. Damiecki also said farm owners can see claims related to unsecured trees damaging cars. Click on to view the video program.

People who appear in this episode include:

  • Michelle Damiecki, Agent, Farm Family Casualty Insurance Co.;
  • Stella Okigbo, Assistant Editor, Best's Underwriting Guide and Best's Loss Control Manual; and
  • Andrew Cole, Owner, Cole's Country Tree Farm.

A.M. BestTV covers exclusive A.M. Best Co. information and reports, targeted topics and key developments in the (re)insurance industry every Monday, Wednesday and Friday. Sign up for alerts of episodes at View A.M. BestTV episodes at

A.M. Best Company is the world's oldest and most authoritative insurance rating and information source. For more information, visit

Copyright © 2013 by A.M. Best Company, Inc. ALL RIGHTS RESERVED.

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