Focus on your farm. We have you covered.
It can be overwhelming to think about insuring your farm if it’s both your home and your business. Farm insurance eliminates the confusion and allows you to simplify your insurance into a single policy.
Grow your business while protecting your livelihood.
When your farm is both your home and your business, insurance can seem like a complicated topic. In fact, it’s an opportunity to get a single policy that meets all your needs. The key is being certain what you want from a farm insurance policy and making sure your insurer provides it. The starting point is protecting your property and contents against damage such as:
- Fire
- Theft
- Flooding
- Natural Disasters
A variety of options depending on your situation.
Some policies will cover everything, while others will specifically protect either your personal dwelling and possessions or the equipment and buildings used in your agricultural business. In the latter case, make certain you check the definitions and exclusions.
Coverage for your livestock and crops.
Also consider insurance for livestock, harvested grains, and so on. Ask how the replacement costs are calculated; specifically, whether lost profits are part of the calculations.
The business side of farming.
As with any business, you’ll also need to look into workers’ compensation for employees, liability insurance for visitors to your premises, and specialty coverage for any vehicles you use for work rather than just for personal driving.
To take the next step in protecting your livelihood, contact us today.