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
Cattle & Crop
What We Cover
General Liability Coverage
If fire, theft or other covered 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.
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 helps you to handle these costs. Since your home may be on a septic tank and drilled well in a rural area, this coverage can make sense.
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 you are paid the cost of replacing the items, ensuring depreciation does not negatively impact your claim.
Other than your home, the other buildings, such as silos, barns and other structures may not be covered unless you seek this additional protection.
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.
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...
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...
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...
To the Upside!
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