A Michigan orchard with a free animal display fought the USDA for five years and lost. Here is when a farm petting zoo needs a USDA Class C exhibitor license, the exemptions that keep most small farms out, the $120 fee, the penalties and the insurance traps.

A Minnesota jury awarded one sick child $7.55 million after a farm petting zoo visit. Here is why many farm policies would not pay, the 5 coverage trapdoors to close, and the prevention system underwriters want to see.