Farm Package Coverages

Farm Dwelling & Personal Property Coverage

Our Farm policies provide coverage for dwellings and personal property on our Standard, Broad, and Comprehensive Package Policies. 

Farm Outbuilding Coverage:

  • All Risk, Fire and Extended Coverage, and Fire and Lightning coverages available

Farm Machinery Coverage

We offer All Risk coverage on Farm Machinery on either a scheduled or blanket basis. Included in our Scheduled coverage is the optional 25% extension to newly acquired machinery & equipment. Farm Machinery may be covered on an Actual Cash Value basis or on our Replacement Cost / Limited Depreciation basis.

Replacement Cost / Limited Depreciation coverage provides Replacement Cost coverage on Farm Machinery items provided that you are the original purchaser / lessee of the property and the loss or damage occurred within 36 months of the date of delivery. On property that does not qualify for the Replacement Cost coverage we will pay for the cost of repairs without deduction for depreciation up to the Actual Cash Value of the property.

Livestock & Poultry Floater

Standard Coverage Includes:

  • Theft or Burglary
  • Death or destruction directly resulting from or made necessary by a number of Named Perils including:
    • Entrapment
    • Fire
    • Lightning
    • Collision
    • Windstorm
    • Drowning
    • Impact by vehicle

Broad Form Livestock Coverage Includes:

  • Death or destruction directly resulting from:
    • Blizzard, rain, sleet and snow
    • Huddling, piling, smothering or freezing
    • Electrical power interruption
    • Suffocation as a direct result of poisonous pit gases
    • Physical injury
    • Hardware ingestion

Farm Comprehensive Liability Coverage

Farm Comprehensive Liability includes coverage for:

  • Personal liability
  • Premises liability
  • Agricultural operations liability
  • Tenants legal liability
  • Contractual liability
  • Employers liability (up to $10,000 payroll)
  • Water craft liability
  • Trailer liability
  • Business and business property liability

Optional Liability coverages that may be added for an additional premium are:

  • Increased liability coverage up to $5,000,000
  • Employers liability extension
  • Cross liability endorsement
  • Fire legal liability
  • Voluntary compensation for employees endorsement
  • Non-owned livestock liability endorsement
  • Limited custom farming extension

Additional Coverages

Additional farm coverages may be added to your farm policy to ensure that all of your farm insurance needs are met. These include:

Loss of Use – Farm Machinery Extension Threshed Grain Floater
Fertilizer and Chemical Floater Coverage for Hives, Supers, Bees & Equipment
Motorized Vehicle Floater Produce Floater
Consequential Loss Extension Farm Earnings Insurance
  Milk Floater
Semen and Semen Tanks Coverage Heat Prostration Endorsement (an Extension to the Farm Poultry Floater)
Tools, Equipment, and Repair Supplies (Replacement Cost coverage)  

Specialized Farm Coverage

We offer the following wide range of comprehensive coverages at competitive rates for Specialized Hog, Dairy, Poultry and PMU Farms:

Broad Livestock Coverage (including loss resulting from electrical power interruption, mechanical breakdown, suffocation) All Risk coverage on Buildings and Equipment
Farm Earnings Coverage (Actual Loss Sustained and Profits Form available with up to 24 month period of restoration) Comprehensive Farm Liability
Enhanced Farm Coverage Endorsement