FARMING INSURANCE

Different types of farms need different kinds of insurance coverage. Let us show you how you can protect your operation from the losses you can anticipate – and those your can’t.

Farm Liability

Farmers of 100 years ago could hardly have imagined the litigious world we live in today. With lawyers eager to file suit for the slightest complaint, even agricultural operations must now protect themselves from demands that could result in financial ruin without adequate liability insurance. Our Farm Certified agents will take the time to discuss your particular needs and help you choose from a wide variety of policies to fine the balance between coverage and cost that you feel comfortable with. Some of the factors to consider are:

  • If you have employees, you may be held responsible for their actions while on the job
  • Guests, contractors and customers that visit your farm may expect compensation for any injuries that occur on your property
  • Any cars or trucks that you own or rent can often be covered under your farm policy for less than personal auto liability insurance

State and Federal regulators monitor agribusinesses carefully these days. A simple incident of overspraying or a leak in your holding pond can result in government fines and expensive clean-up operations. Pollution liability coverage can protect you from such losses.

Product Liability

Product recalls make the headlines these days, and this is the kind of publicity no business wants. Product liability coverage provides protection against claims resulting from problems with products from your farm. You may be at risk if:

  • You sell produce or other food products directly to consumers via a roadside stand or farmer’s market
  • You process agricultural products for others who resell them

State and Federal regulators monitor agribusinesses carefully these days. A simple incident of overspraying or a leak in your holding pond can result in government fines and expensive clean-up operations. Pollution liability coverage can protect you from such losses.

Land & Buildings

Farmers have a special relationship with the land they work – it not only your workplace, it is your legacy to pass down to the next generation. You’ve spent a lifetime improving your land and buildings. Property insurance protects your investment from loss due to situations including:

  • Lightning
  • Hail
  • Fire
  • Collision with vehicles and aircraft
  • Explosion
  • Vandalism

In case of loss, your policy can cover replacement of covered:

  • Barns, equipment sheds and other buildings
  • Computers & electronic equipment
  • Records and documents
  • Fences, signage and other property improvements
  • Inventory

Vehicles & Equipment

Next to the land itself, vehicles and equipment represent the largest investment for many farmers. The typical agricultural operation relies on an array of tractors, attachments, and special purpose equipment to plant, harvest and transport the product to market. Trucks and autos you own or lease also may also be covered on your farm insurance for:

  • Personal injury incurred during the operation or maintenance of farm vehicles and equipment
  • Property damage caused by accidents or collisions
  • Theft or vandalism
  • GPS equipment
  • Uninsured motorist
  • Gap insurance (covers you when owe more on a totalled vehicle than it is worth)
  • Towing and Roadside Assistance

Specialized Coverage

In agriculture, one size hardly ever fits all. We can help you select from a wide variety of additional endorsements to your customize your farm or ranch insurance policy to suit your needs. Here are a few of the special coverage options available.

Disruption of Farming Operations
Coverage for extra expenses and loss of income caused by a covered loss to a building.

Identity Fraud Expense Coverage
Reimbursements up to $25,000 for covered expenses incurred in restoring your identity.

Earthquake Coverage
Coverage for farms or ranches near fault lines to protect against earthquake damage.
Farm Machinery and Equipment Replacement Cost
Boosts your equipment policy to pay to completely replace lost equipment up to five years old with no depreciation.

Peak Season Coverage Endorsement
Inventory protection for those times of year, such as harvest time, when you have a greater quantities of product stored on your property.

Sewer/Sump Pump Backup
Covers flooding damages caused by for sewer or sump pump backup or failure.

Temperature Sensitive Endorsement
Protection for temperature-sensitive products resulting from a fluctuation in temperature control. This coverage protects you from events like spoiled dairy products due to refrigeration failure and freeze damaged produce.

Farm Property Protection Plus
Increased coverage for your household contents, including gold, furs, firearms, GPS systems and more.

AgriChoice Elite
Increased coverage for certain types of losses to farm equipment, buildings, livestock and products.