Farm & Ranch Insurance
The standard farm policy is a combination of homeowners, commercial business, and specialty insurance. Farm policies typically include the following basic coverages:
- Property Coverage – This coverage protects your home, outbuildings, belongings and some equipment in the event of loss, such as a fire or tornado.
- Liability Coverage – This coverage will cover a loss unintentionally caused by you or your employees to another’s property or person.
- Medical Payments – This coverage will provide payments for medical bills sustained by someone injured on your property.
- Additional Living Expenses – If you must relocate from your home due to damage caused by a covered event, then this coverage provides for the costs of things like temporary housing or a hotel stay.
Agribusiness Insurance
Commercial agribusiness coverage begins where the standard farm policy ends. The coverages are more tailored to commercial operations including property, general liability, business auto, business income, and workers compensation coverage. Examples of agribusiness risks include:
- Agritourism
- Agronomy
- Commercial Agriculture (Agribusiness)
- Cooperatives
- Energy
- Equipment Dealers
- Feed Milling
- Food Production/Manufacturing
- Fuel Haulers
- Grain Elevators
- Grain Milling
- Nursery Operations
- Propane
- Seed Production/Sales
- Agricultural Trucking