Protecting Your Livelihood

Whether you own a ranch, hog farm, corn-growing operation or any other type of ranch, farm insurance protects your livelihood. The risks of farming are substantial, and fire, legal claims and accidents and injuries can occur at any time. Having the right coverage can help protect you if there is a problem, minimizing the disruption to your operations.

 

Who We Cover

Horse/Equine

Farm Science

Manure Haulers

Farmers Market

Dairy Farmers

Cattle & Crop

Butchering Operations

"Agri-tainment" Events

What We Cover

General Liability Coverage
If a legal claim is brought against you because your farm or your employees cause unintended harm to someone or their personal property, this coverage protects you. For example, one of your visitors get kicked by a spooked animal, this coverage will help pay for their medical bills.

 

Property Coverage
If fire, theft or other allowable incidents cause property damages or loss, this part of your policy covers you. This coverage allows you to replace or repair outbuildings, farm structures, your home, farm equipment and other property — up to specific limits.

 

Farm Equipment
If you have invested substantially in heavy machinery for your farm, this extra layer of protection can bring you peace of mind.

 

Livestock & Livestock Mortality
For ranches and other types of farms, livestock represents a significant investment, and this coverage ensures you’re protected in case this investment is stolen or injured.
Water and Sewer Backup
If water or sewer backups affect your home, this additional coverage ensures you do not have to handle these costs yourself. Since your home may be on a septic tank and drilled well in a rural area, this coverage can make sense.

 

Replacement Cost
Typical farm insurance will cover the actual cash value of your lost or damaged personal property. For an extra cost, you can get coverage for replacement cost, so your insurer will pay the cost of replacement the items, ensuring depreciation does not negatively impact your claim.

 

Other Buildings
Other than your home, the other buildings, such as silos, barns and other structures may not be covered unless you seek this additional protection.

 

Pollution Liability
If you’re driving a tractor that is pulling a tank with insecticide and the tank comes off and spills into a stream, this coverage will help pay for clean-up of the stream.

 

Happy Upsiders

“Linda, we deeply appreciate all that you have done for us over the years. You and the staff at Gunn-Mowery are truly a class act.”

-Chuck Anke

Farm Articles

Farm Safety Tips for Planting Season

Farm Safety Tips for Planting Season

Planting season is the most dangerous time of the year for farmers. While the weather is warming up, tractors will be started, plows attached, and long days of hard work will begin as farmers hurry to get their crops in the ground as early as possible to increase...

read more
Does Your Business have a Flood Plan?

Does Your Business have a Flood Plan?

Prepare Your Business for Flooding More often than not, floods can arise without warning—the fickle nature of weather in the United States only exacerbates the unpredictability of floods, especially with so many areas susceptible to flooding. One unexpected severe...

read more
Different Insurance for Different Farms

Different Insurance for Different Farms

In order to enjoy good profits, be adequately covered for liability exposures, and for “peace of mind”, farmers need to assess and minimize their risk.  First Determine if You are in Fact a “Farm” This may seem like a silly question, but with the growing number of...

read more

To the Upside!

Buckle up because we are getting ready to launch your insurance to the Upside!