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Farm Insurance

Focus on your farm. We have you covered.

Farm insurance for your business needs.

It can be overwhelming to think about insuring your farm if it’s both your home and your business. Farm insurance eliminates the confusion and allows you to simplify your insurance into a single policy.

Grow your business while helping you protect your livelihood.

When your farm is both your home and your business, insurance can seem like a complicated topic. In fact, it’s an opportunity to get a single policy that meets all your needs. The key is being certain what you want from a farm insurance policy and making sure your insurer provides it. The starting point is helping you protect your property and contents against damage such as:

INTERACTIVE GRAPHIC

Click it. Read it. Cover it.

A variety of options depending on your situation.

Some policies will cover everything, while others will specifically help protect either your personal dwelling and possessions or the equipment and buildings used in your agricultural business. In the latter case, make certain you check the definitions and exclusions.

Coverage for your livestock and crops.

Also consider insurance for livestock, harvested grains, and so on. Ask how the replacement costs are calculated; specifically, whether lost profits are part of the calculations.

The business side of farming.

As with any business, you’ll also need to look into workers’ compensation for employees, liability insurance for visitors to your premises, and specialty coverage for any vehicles you use for work rather than just for personal driving. To take the next step in helping you protect your livelihood, contact us today.

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As an independent agency, we are here to help you find the right Farm Insurance coverage.

Farm Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

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Field Crops

Risk Factor
There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?
Solution
You can protect your livelihood and investment from this type of unavoidable risk with the addition of multi-peril crop insurance.

Coverage for Peak Season

Risk Factor
During harvest, a farmer often stores grain in grain bins, and this grain usually sells within a few months. Coverage is needed while the grain is on-site, but it could get expensive to fully maintain this coverage during the rest of the year when no grain is present on the farm.
Solution
Cover the grain under peak season. This option tailors your coverage to provide increased amounts of insurance during the months in which you have grain on your farm. This type of coverage can be applied to any harvested crop, not just grains.

Care, Custody, and Control

Risk Factor

If you’re caring for livestock owned by others on your farm and an unfortunate event occurs causing the death of some or all of this livestock, you may be held responsible.

Solution
To protect yourself and your farm from this type of risk, add care, custody, and control to your insurance policy as an endorsement.

ATV / Utility Vehicles

Risk Factor
Utility vehicles or ATVs designed for use on farms can increase liability. This is mainly because these vehicles are known to be associated with high-risk behaviors, such as operating the vehicle without the use of protective equipment.
Solution
If you routinely ride your ATV or utility vehicle, be sure to always use good judgment and wear proper protective equipment, such as a helmet. Additionally, avoid behaviors that are known to increase risk of injury, such as riding on roads that are intended for automobiles.

Products Liability Exposure

Risk Factor
Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when it’s eaten.
Solution
To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.

Property

Risk Factor
If you have a barn or farm structure, a loss to these structures can be catastrophic, potentially putting the farm out of business.
Solution
Be sure you have adequate property coverage to protect your farm from potential catastrophic loss.

Pollution

Risk Factor

Pollution and environmental contamination is an increasing risk that can occur due to improper storage and use of chemicals, run-off, fuel leaks, and other situations. Pollutant cleanup is generally excluded from basic insurance policies. Leaking from an aboveground or underground fuel tank, for example, can be very costly to remediate.

Solution

It is difficult to control pollution risks, but not impossible. You can protect yourself from this type of risk by obtaining environmental insurance that provides coverage for both bodily injury and property damage caused by a pollution incident. This type of insurance can provide coverage for clean up costs and third party lawsuits that result from contamination.

Custom Farming / Business Activity

Risk Factor
Does your farm provide services for others? If so, you may be held responsible for the business activities related to these services.
Solution

To protect yourself from any type of incident relating to these business activities, add an endorsement for custom farming to your insurance policy.

Glass Coverage

Risk Factor
If your tractor, combine, harvester, or other farming equipment has cab glass, that glass could break. It can be an expensive repair and cause your equipment to be unavailable for an extended amount of time.
Solution
Be sure you have coverage to help pay for repairs or other service work for broken glass.

Foreign Object Ingestion Coverage

Risk Factor
Equipment used on a farm has a high risk of mechanical breakdown. For example, a farmer’s combine or chopper could ingest a rock causing equipment failure.
Solution
Add Foreign Object Ingestion coverage so the repairs on your combine or chopper will be covered on your policy. Ask your agent if your policy has this coverage since it is not “automatic” on most farm policies.

Umbrella

Risk Factor
What happens when your farm faces a large liability loss that exceeds the basic limit of your standard policy?
Solution
A commercial umbrella insurance policy increases your liability limits by adding protection over and above your current farm policies – providing real financial value, as well as priceless peace of mind. Commercial umbrella insurance is available either by an endorsement to your farm policy or as separate coverage.