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Business Insurance Services
General Business Insurance
Business Income
Business Owners Package
Commercial Liability Insurance
Commercial Property
Equipment Breakdown
Farm and crop insurance coverage
Fleet Coverage
Florist insurance coverage
Insurance coverage for apartment buildings
Insurance coverage for outfitters & guides
Insurance coverage for water well drillers
Wineries and vineyards insurance coverage
Liability Insurance
Catering business insurance coverage
Cleaning business insurance coverage
Commercial Liability Insurance
Directors’ Office Liability
Employment Liability
Kidnap and Ransom Insurance Coverage
Liquor Liability
Professional Malpractice
Special events insurance coverage
Umbrella Excess
Unusual Commercial Insurance Risks
Veterinary insurance coverage
Commercial Auto Insurance
Commercial Auto Insurance
Truck insurance coverage
Employee and Business Operation Insurance
Commercial Umbrella Insurance
Commercial Checklist
Employee Dishonesty
Errors and Omissions insurance coverage
Health and fitness business insurance
Wildland Firefighter Insurance Coverage
Workers Compensation
Farm and Ranch Insurance Coverage
Each farm and ranch is unique, which is why farm and ranch insurance policies are some of the most highly customized policies available. The main coverage most farm owners consider is the protection for the main home or ranch, followed by liability insurance. However, since most farms utilize a diverse range of vehicles and equipment to service the property, these assets are also insured under a comprehensive farm policy.
Other specialized coverage options include the specific crop or crops the farm produces and protection for the various activities conducted by the farm. Most farms also have multiple buildings on the premises, and ensuring you have enough coverage for all detached structures is crucial for complete protection. Understanding the complexities of your farm’s operations is the first step toward securing the right insurance plan.
Farm and Ranch Insurance Coverage
Farm and ranch insurance coverage is designed to safeguard the entire operation. Most farm and ranch insurance policies cover personal property directly used in agricultural operations. This encompasses a wide range of assets, including:
- Machinery and equipment: This includes coverage for tractors, pickers, planters, hay rakes, portable irrigation systems, and more. Farm equipment is expensive, and some of it would need to be scheduled to ensure it’s properly covered. The more specialized your equipment, the longer it could take to be replaced if lost due to a covered peril. Let’s talk about coverage to expedite replacement, rent substitutes, and cover lost income while items are not available. We have the expertise to minimize your risk of the unknown and ensure your operations continue smoothly. We can help you navigate the complexities of insuring your valuable machinery and equipment.
- Livestock: Most farm policies offer coverage for livestock against death and injuries. Some broader policies could offer protection for livestock in cases of accidental shooting or if they are struck by a vehicle such as a train or a car, or even in some cases, wild animal attacks. Some farming operations extensively depend on certain animals, such as horses used for herding, and losing them could mean a significant interruption in operations for some farms. Not to mention their medical expenses are extremely costly. It is important to discuss interruption of operations coverage with your agent. Mitigation of loss is often available, so let’s plan to ensure your enterprise’s continued success! Securing adequate protection for your livestock is essential for the financial stability of your farm or ranch.
- Farm products/Crop coverage: Farm and ranch insurance policies cover typical field crops, including hay, vegetables, fruit, beans, wheat, herbs, nursery stock, florist stock, and more. Cannabis is often the main crop exclusion, so be sure to check with your local independent agent for more information, as there can be options to “buy back” coverage through specified markets. Protecting your crops from unforeseen events is a cornerstone of a sound insurance strategy.
- Farm liability coverage: This coverage is not an option; like every business liability insurance policy, this coverage applies to bodily injury, medical expenses, property damage, and attorney fees in case of a lawsuit. Farming operations involve all kinds of accidents that could result in a liability claim, from startled animals injuring handlers to animals escaping and causing a car accident. If your farm or ranch conducts any ancillary operations, simultaneous businesses, processing, or manufacturing actions, then coverage extensions may be necessary. We can help with any or all of these options if we are aware of the situation. Liability protection is a non-negotiable component of any comprehensive farm and ranch insurance plan.
Coverage for Farm Vehicles
Farm vehicles should have special consideration as you address your coverage needs with your agent. A thoughtful independent agent can help determine the right combination of insurance products for you and your business. They can explain coverage options and help identify any available discounts. You can often bundle commercial auto insurance and add it to your overall farm package. A tailored approach to vehicle coverage ensures your assets are fully protected on and off the farm.
Please be sure and talk with your agent about the vehicles used for your business and how they are used. This includes:
- The number of vehicles you own and/or lease
- Whether your employees use company vehicles or drive their own
- How often and under what circumstances vehicles may be used for personal use
- How your vehicles are secured when not in use and more.
Additional Farm and Ranch Insurance Coverage Enhancements
In addition to Property and Liability coverage, we can work with you to customize a policy that fits your specific needs. Every farm is different not only in size and crops but also in the activities conducted on and off-premises to engage the community and connect with the source of their food. Some of the options to consider discussing with your agents could include the following:
- Disruption of Farming Operations
- Employment Practices Liability Insurance
- Data Breach & Cyber Liability
- Equipment Breakdown
- Transportation of farm products
- Liquor Liability
- Employment Benefits Liability
- Farm Pollution
- Livestock & Livestock Collision
- Primary/Secondary Homes
- Excess Liability
- Agritourism
Since every farm is different, make sure to have a comprehensive discussion with your agent about all your farm operations, products, and livestock to ensure you are properly covered and avoid any surprises after filing a claim. We believe in a proactive approach, where we work with you to understand the nuances of your agricultural enterprise and build a robust insurance solution. Our goal is to provide peace of mind, knowing that your hard work and investment are safeguarded against the unpredictable. By carefully evaluating your unique risks and goals, we can create a customized farm and ranch insurance package that offers the protection you need to thrive.
You can contact us to review your policy, get a new quote or discuss available discounts by calling us at 541-482-0831, or requesting a quote online.
OTHER INSURANCE OPTIONS
- Wineries and vineyards insurance coverage
- Farm and crop insurance coverage
- Commercial Umbrella Insurance
- Commercial Liability Insurance
- Commercial Auto Insurance
- Business Owners Package
- Fleet coverage insurance
- Florist insurance coverage
- Health and fitness business insurance
- Insurance coverage for apartment buildings
- Errors and Omissions insurance coverage
- Cleaning business insurance coverage
- Catering business insurance coverage
- Truck insurance coverage
- Special events insurance coverage
- Insurance coverage for outfitters & guides
- Insurance coverage for water well drillers
- Kidnap and Ransom Insurance Coverage
- Veterinary insurance coverage
- Workers’ compensation