NAICS UNIVERSITY · Free research for insurance agents
Apple Orchards
NAICS 111331 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in growing apples.
Review the farm operation beyond the crop.
Apple Orchards combines production risks with equipment, premises and labor concerns. Review crop loss, farm equipment hazards, employee and seasonal worker injuries. Ask about custom work for others, storage and added processing; those activities need their own coverage discussion.
Questions to ask
- Is the operation primarily wholesale/commercial sales, or does it include direct-to-consumer activity like u-pick, farm stands, or agritourism events?
- What federal crop insurance coverage is currently in place — coverage level, plan type, and whether supplemental coverage options are used?
- How many seasonal workers are hired at peak harvest, and how are they classified for workers' comp purposes?
- Is there any on-site cider, juice, or value-added food production?
- What is the total acreage in production, and are any parcels leased versus owned?
- For Apple Orchards, what should the underwriter know about on-site cider production or alcoholic beverage manufacturing, which typically requires a separate manufacturing classification and liquor liability?
- For Apple Orchards, what should the underwriter know about significant agritourism operations with high visitor volume, events, or overnight stays?
- For Apple Orchards, what should the underwriter know about prior crop losses with pattern of frequency or severity?
Activities described by this code
Other activities to examine
- Growing apples and manufacturing alcoholic ciders: 312130 — Wineries;
- Growing apples in combination with tree nut(s) with the apples or family of tree nuts not accounting for one-half of the establishment's agricultural production (i.e., value of crops for market): 111336 — Fruit and Tree Nut Combination Farming
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Apple orchards grow, cultivate, and harvest apples for sale — typically to wholesale buyers, packing houses, processors, or at farm-direct retail operations. Day-to-day work involves pruning, pest and disease management, irrigation, equipment operation, and seasonal harvest using a combination of year-round and seasonal labor. Some operations include on-site packing, cold storage, u-pick agritourism, or roadside stands.
Questions to investigate
- Is the operation primarily wholesale/commercial sales, or does it include direct-to-consumer activity like u-pick, farm stands, or agritourism events?
- What federal crop insurance coverage is currently in place — coverage level, plan type, and whether supplemental coverage options are used?
- How many seasonal workers are hired at peak harvest, and how are they classified for workers' comp purposes?
- Is there any on-site cider, juice, or value-added food production?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.