The main forms of coverage in any farm insurance policy are:
Dwelling coverage: Protects your home in the event of weather disasters like tornadoes, hail, lightning, or fires. It also protects you from theft.
Farm liability coverage: Protects you from losing the farm in the event of liability claims like bodily injury to another person, damage to another’s property, medical expenses, and legal defense bills.
We can help tailor a farm insurance policy to your needs with additional protection like:
Barn/Outbuilding coverage: Protects the buildings on your property that serve a purpose for your home or business. It includes everything from barns to outhouses and beyond.
Livestock coverage: Protects your livestock in the event of catastrophic death caused by things like tornadoes and wildfires. All animals can be protected under a blanket policy for one value or scheduled individually, or as a combo of the two. Example: Your prized state fair hog can be scheduled separately from all the other so-so swine under your blanket coverage.
Equipment coverage: Protects all your tractors, harvesters, refrigeration units, and such to help minimize the burden of being without them.
As a business owner, you should consider coverages like:
Loss of business income coverage: Protects you if there’s some sort of business interruption, replacing lost income and providing operating expenses to keep you grinding away.
Workers' compensation coverage: Protects your workers and employees from sickness, injury, or worse as the result of a job-related accident. Every workers' compensation situation is different and state laws outline whether you need this or other coverages. You should contact an agent to determine the best coverage for your situation.
Farm vehicle coverage: Protects the big rigs, transport trucks, and trailers that you have to run your business.
