Farm and ranch owners insurance is dual coverage that protects your operation and the home that you live in. With it, you’ll have a custom blend of homeowners coverage and business insurance with additional options to best fit the specific needs of your farm or ranch.
Dwelling coverage
Earthquake can damage your home and internal structures in your home. If you don’t have a coverage, you need to pay for repairs from your own pockets.
This coverage accounts for the rebuild or repair cost of the home and other structures on the property in the event of earthquake damages.
Farm Liability Coverage
If any of your worker is injured while working, you will be liable to pay for his medical expenses.
Your farm liability coverage would pay for his medical bills and a portion of lost income while he recovers and is unable to work.
Equipment Breakdown Coverages
If any of your farm equipment breaks down due to an accident, you will have to pay for the repairs and also might delay your work
Your Coverage will take care of the payment of the repairs and any loss incurred due to the delay.
Farm or agricultural insurance is usually provided as an insurance package designed specifically for agricultural businesses, buildings, tools and output. It offers protection under a single policy for aspects including farm machinery and equipment, livestock, buildings, profits and produce.
Cover includes
Working farms and smallholdings– cover designed and can be tailored for your farm machinery, produce or deadstock, or farm buildings. For livestock farmers, you can be insured for a wide range of risks including loss of stray animals, theft, transit, mysterious disappearance, electrocution and fire.
Diversification and personal insurance– With modern farms diversifying away from traditional activities, agricultural insurance can be tailored to different risks. Livery yards, farm shops, shooting, camping, agricultural contracting, renewable energy and wind turbines, B&B and holiday lets, commercial property and even drones can potentially be covered under farm insurance.
Accidental pollution– farm insurance policies can also include cover against any accidental pollution to the environment.
Your farm is more than a business, it’s also your home, your security and your way of life. No one else can truly understand what it means to you and how much you put into it. Which is why protecting it is a priority.
Connect with us for a check-up of your farm insurance.
It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options
If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.
Contact us today to help you with multiple options to choose from.