While you’re working the land, we’ll work to protect every aspect of your farm or ranch with comprehensive coverage for dwellings, structures, equipment, autos, liability, umbrella and more.
Farm Owners Insurance.
We know that your farm or ranch provides a valuable service to the community, and we would like to return the favor by offering you the comprehensive protection you deserve. A Farm Owners policy is an all-inclusive and customizable insurance solution to secure your land, your property, and your finances against a number of inevitable situations that can arise on your farm. The basic package includes property coverage for your dwelling, personal property, and other structures, as well as the added peace of mind that comes with comprehensive liability coverage.
Dwelling: The dwelling portion of your Farm Owners policy will help pay for damages to your home and any attached structures for all accidents and perils included in your policy.
Personal Property: Your Farm Owners policy also covers losses that may arise due to the damage or theft of personal belongings such as clothing, electronics, or home appliances. Items used in daily farm operations such as machinery, automobiles, and animals are not eligible for coverage under the personal property section of your policy, as they require additional protection.
Liability: This protection helps pay for legal fees, medical expenses, and other losses that you may be held liable for, that result from covered injuries or damage to other people’s property. Further coverage options, including employee injury liability, are available for an additional premium.
Farm Equipment Insurance.
Damaged or broken equipment can easily cost thousands of dollars to replace, which is why Farm Equipment Insurance is just as important to your agribusiness as the equipment itself. Equipment breakdown coverage goes beyond your standard Property Insurance policy to protect against damage caused by power surges, mechanical breakdown, motor burnout, and even operator error.
Equipment and machinery included under a Farm Equipment Insurance policy includes, but is not limited to:
- Heating and Cooling Systems
- Production Equipment
- Boilers, Pressure Vessels, and Water Heaters
- Electrical Distribution Systems
- Refrigeration Equipment
Farm Dwelling Insurance.
While not as comprehensive as a complete Farm Owners policy, some people may find that Farm Dwelling coverage is enough to meet their needs. Dwelling Insurance protects the building you live in and any attached structures, including rental properties, by helping to pay for damages that result from a covered incident. Depending on your specific policy options, it can also include additional coverage for personal property or provide additional living expenses if your home becomes uninhabitable due to a covered loss.
Farm Structures Insurance.
Barns, machine sheds, and granaries are essential elements that keep your farming operations running smoothly. The loss of any of these can disrupt business and be financially devastating. A Farm Structures policy helps pay for the accidental loss of property used for farming purposes due to a variety of perils such as fires and some natural disasters.
Farm Auto Insurance.
Even if you take good care of your farm equipment, some situations are simply out of your control such as road conditions, bad weather, and other drivers. With a Farm Auto Insurance policy you can protect everything from your personal truck or car to the trailer you use to deliver and transport your valuable goods. Whether you rent or own your farm vehicles, you can still get the same great coverage with benefits that can include:
- Auto Liability
- Medical Payments
- Collision Coverage
- Uninsured & Underinsured Motorist Coverage
- Extended Coverage for employees using their vehicles for farm operation
Farm Liability Insurance.
From the operation of farm machinery and equipment to the sometimes unpredictable nature of barnyard animals, farmers are subject to a much higher risk of liability than other property owners. A standard Farm Liability Insurance policy will help cover the expenses in which you become legally obligated to pay for bodily injury claims on your property and damages to another person’s property as a result of a covered accident.
Some common liability expenses covered under your policy include:
- Attorney fees and court costs
- Medical expenses for people injured on your property
- Injury or damage to another’s property caused by your animals
- Other claims for injury resulting from specific farm operations
Farm Umbrella Insurance.
If an accident happens, in most cases, your standard farm owners insurance liability should take care of you. But when serious situations arise, you will want to make sure your business is protected. A Farm Umbrella policy picks up where your other liability coverage stops. It can be an affordable way to provide an extra layer of protection against claims of bodily injury and property damage in scenarios such as:
- An accident on your farm that leaves multiple workers in need of costly medical attention
- If a farm animal escapes and causes an accident or serious damage to another’s property
- If someone sues you for damages resulting from an illness from your products
We can work with you to determine what coverage best fits your needs. We’ll walk you through the process, every step of the way, to make sure your policy provides protection and peace of mind.