Access to top-rated Farm & Agribusiness Insurers who specialize and understand your business
Dedicated service team
Newsletters with safety topics and latest industry news
Semi-annual policy reviews to guarantee you have the coverage you need as your business grows
All backed by an insurance agency that has been in business for over 155 years
Farm Specialty Coverages
Loss of use - Offers coverage for loss of income due to a covered loss.
Additional Living Expenses - Offers coverage for extra expenses incurred while the dwelling cannot be inhabited.
1st and 3rd party milk contamination - covers your milk and milk that was contaminated by yours.
4-H and FFA animal coverage - Offer coverage for animals that are leased for 4-H or FFA projects on and of the farm premise.
Replacement Cost on Farm Buildings - Barns, sheds, lofts, and garages used for the Farm can be covered at replacement cost of the building instead of Actual Cash value.
Farm Auto - Provides coverage specific to autos used for farms work. Combination of personal and business type coverages.
Farm Umbrella - provides additional liability coverage over policies such as Farmowners, Farm Auto, and Workers Comp.
Have additional Coverages specific for Corn mazes, Hayrides, Farmers Markets, Ag-Tourism/Ag-entertainment.
Farm Programs - We have several companies that have tailored coverages for your type of operation.
Small Farm or Rural acreage program- these range from Homes that are too large to fit on a Homeowners Policy to Hobby Farms.
Full Farm Operations which provides coverages for Home, Household contents, with coverage for farm structures, equipment and livestock, seasonal increases for stored crops.
Farm with commercial exposures- such as Agritourist farms, Farm Stores, Feed Manufacturing, Greenhouse/Nursery sales on premises, Corn mazes, and many more.
Vineyards/Winery Specialty Coverages We can provide coverage for owner operated wineries/vineyards which provides coverage for on-site activities like, wine tasting, food pairings, murder mysteries, product sales, internet or mail order sales. This program also includes Liquor Liability, Wine Leakage, Market Value and Contamination coverages. We also have a Vineyard Program that will provide some coverage for crop before harvest!
Liability - coverage for on-site activities include: wine tasting, Food pairings, murder mysteries, incidental product sales, and internet or mail order sales.
Property/Liability - coverage for facilities rented to third-parties, off premise events, and other public gatherings.
Liquor Liability - Coverage for sales and on site consumption
Crop Coverage - offered for crops still on the Vine
Wine Leakage, Market Value, and Contamination coverages are also available and much more.
Business that support and work to grow our Agriculture industry such as: Ag chemical distributions, Cattle Feedlots, Dairy Processing, Fertilizer dealers, Grower-picker-shippers, Greenhouse/Nursery, Nut processors, Seed conditioners, Seed dealers, Sod Farms and many more.
Food Equipment Contamination Clean up - offers coverage to pay necessary expenses incurred to clean contaminated food preparation equipment to religious standards
Food Contamination and Product Adulteration - Offers coverage for business personal property including BPP the policyholder may have sold but not delivered, if the policyholder cannot sell it or use it because it contains a contaminant introduced during processing or manufacturing operation.
Contaminated Food Product - Offers coverage for change in taste, texture, finish or color, including contamination caused by animals, birds, vermin, rodents, or insects.
Food Product Testing - Offers coverage for actual costs incurred to test food products
Prototypes: offers coverage for physical damage or loss to prototypes related to research and development operations.
Fruit Bin or Nut Bin Damage- offers coverage for damage to fruit bins or nut bins because of loss or damage.
Milk Contamination Brands and Labels- Offers coverage for losses and expenses incurred due to loss of purity in policyholder’s milk due to a foreign substance mixing or coming in contact with this milk.
Brands and Labels - Coverage for cost to stamp “salvage” onto merchandise or to remove brands and labels from covered property.
Contract Penalties - Coverage for penalties incurred by insured for failure to deliver product due to a covered loss.
Installment Sales Property - Coverage for property sold under an installment contract and has single or dual interest.