Farm Insurance

"As long as there's a few farmers out there, we'll keep fighting for them."

What Does Farm Insurance Cover?

Farm insurance is a specialized type of insurance designed to protect farmers and their assets. It typically covers a wide range of elements necessary for running a farm, including:

• Dwelling Coverage:
• Protects the farmhouse against damages due to events like fire, wind, or vandalism. It functions similarly to homeowners' insurance but is tailored to the needs of a farm property.
• Property Coverage:
• Covers the buildings and structures on the farm, such as barns, silos, and other outbuildings. It also includes coverage for the contents inside these buildings, including machinery, equipment, and sometimes livestock.
• Liability Protection:
• Offers protection against legal liability for accidents that cause injury to others or damage to their property while on your farm. This includes issues related to farm operations and can extend to products produced or sold by the farm.
• Crop Insurance:
• Provides financial protection against the loss of crops due to natural disasters like drought, flood, or hail, as well as the loss of revenue due to declines in the prices of agricultural commodities.
• Livestock Insurance:
• Covers the animals on the farm against perils like death due to accident, illness, or injury. It can be specific to certain types of animals, such as cattle, pigs, or poultry.
• Equipment and Machinery Insurance:
• Protects against the breakdown or damage of farm machinery and equipment, which are critical to farm operations.
• Income Protection:
• Some policies offer business interruption or loss of income insurance to protect against a reduction in income as a result of unforeseen events that disrupt farming operations.
• Additional Coverage:
• Depending on the insurer and the needs of the farm, additional coverages can be added for issues like environmental liability, auto coverage for farm vehicles, and workers' compensation for farm employees.

Farm insurance is highly customizable, given the diverse nature of agricultural businesses. We can work closely with you to ensure all aspects of your farm are adequately protected, from the crops you grow to the equipment you use. Each farm's insurance needs will differ based on its size, the type of farming done, and the specific assets owned.