Farms

Farm or Non-Dwelling Buildings

•  Detached Garages and Storage Buildings
•  Barns, Hay Sheds, Arena and Fences
•  Grain Bins and Silos
•  Poultry or Dairy Operations
•  Swimming Pools

Farm Implements, Machinery & Tools

• Tractors and Combines
• Farm Implements and Hay Balers
• Grain Bins and Silos
• Poultry or Dairy Operations
• Hay, Feed, & Fertilizer
• Irrigation Equipment, Windmills & Cisterns
• Mobile agriculture machinery

•  Product Liability Insurance:  Provides coverage against injury or illness resulting from ingesting your farm products.
•  Premise Liability Insurance:   Covers the farm or ranch in the event of an accident or physical injury to anyone visiting the farm.
   

   An endorsement also known as a rider, addendum, or attachment is a written document attached to an insurance policy that modifies the policy by changing the coverage of the policy. An endorsement can add coverage for acts or things that are not covered as a part of the original policy and can be added at the inception of the policy or later during the term of the policy.  An endorsement is simply the specific coverage that an underwriter has agreed to cover with a specified limit of liability, usually an amount greater than the insured’s collective assets.

  If your farm has a roadside stand, you may be able to include this in your farm policy whether or not it is on your property, but you must clarify this with your representative.

  Limited Liability 

  Limited liability coverage is for products that your customers are ingesting. The recommended amount of

  coverage for property and liability is based on the farm’s net worth and five years of earnings.

  Commercial General Liability

  Commercial general liability policies combine liability insurance with property insurance. This might meet

  the needs of farms that process foods, sell flowers, non-edibles, or have the public on the farm. This policycan

  have an “event endorsement” that will cover any injuries or mishaps that occur when you invite thepublic onto your farm. 

  Activities such as on-farm stands, U-Pick crops, farm tours, or other agritourismrelated events should all be well

  defined within your coverage.

  Crop Insurance

  Crop insurance is an essential Risk Management Tool for today’s Farmers. Crop insurance provides protection for your crop/crops 

  which cover losses due to crop failure, or in some cases, losses due to decline in market price. When one disaster can cost you five

  years of profit, crop insurance provides you with Peace of Mind and allows you to continue what you love….FARM!