Fall festivals dot the calendars for most churches and schools in all regions of the country. They usher in the harvest and mark the transition to shorter days. Ensuring fun for all takes careful planning and lots of volunteers. It also takes an understanding of the risks involved and diligence to ensure safety. Anytime you rent equipment, a ride or attraction — whether it’s a tractor, pony rides or a dunk tank — talk to your insurance agent first. If applicable, do the following three ...