Building an agricultural business is an enterprise that requires dedication, resources and consistent hard work. While you stand to gain a lot from owning a farm, you also face a lot of risk when it comes to day to day operation.
Jaime L Fewer Agency, Inc. works with farmers to find and tailor farm insurance policies specifically for your needs. We will help you evaluate the risks your farm faces to match you with comprehensive and affordable farm insurance.
What is Farm Insurance?
Farm insurance is a type of commercial policy designed specifically to cover risks that a farmer or agricultural business may face day to day. Coverages we offer for farmers and ranchers include:
Farms operate utilizing a lot of expensive machinery between tractors, combines, field equipment, planters and more. If your farm equipment is lost or damaged, farm equipment coverage can help pay for replacements or repairs. This insurance covers against damage caused by fire, wind, hail, explosions, lightning, smoke, theft and vandalism.
Farm products provides coverage for stored products such as feed, grain and seed. If these products are damaged or destroyed, farm products coverage will help compensate for replacements.
Ranches and many farms own and use livestock to make money in some capacity, such as breeding, working, showing or obtaining products. Unfortunately, your livestock isn’t always safe. Dangers and disease can threaten the health of your critical livestock. Animals like horses are expensive, as well, and replacing them out of pocket can be difficult.
Livestock insurance provides compensation if your livestock is killed due to bad storms, environmental disasters, accidents in transit and more. Animals that are considered livestock include cattle, pigs, bison, buffalo, horses, emus, goats and sheep.
Farm Liability Insurance
General liability for a farm is critical. Farms can be hazardous for visitors, especially those who are unused to stepping food on a farm. Farm liability insurance provides coverage for bodily injuries and property damage someone else may suffer on your farm’s property. If one of your horses kicks a guest, for example, farm liability can help pay the victim’s medical bills and protect your farm against a lawsuit regarding the accident.
Crop insurance provides compensation for crops that are damaged or destroyed due to fire, wind, hail, theft, vandalism and more. This insurance generally must be purchased before crops are planted.
If your farm employs workers, you may also need workers compensation insurance
Protect Your Farm Today
Protect your farm with a tailored insurance policy from Jaime L Fewer Agency, Inc. Call us at 802-476-5050 or fill out a quote form
to protect your farm and all of its assets.
Common Farm Insurance Questions
How Much Does Farm Liability Insurance Cost?
The cost of farm liability insurance varies depending on several factors, such as your location, coverage limits, claims history and more. Fill out a quote form
to find out how much you can save on farm liability insurance today.
How Many Farmers Have Crop Insurance?
Over 80% of major crops are covered under crop insurance in the U.S. If you do not have crop insurance, you could risk heavy financial loss if your crops or damaged or destroyed due to a disaster.
Why Do I Need Farm Insurance?
Farm insurance is crucial for protecting the various assets of your business. Farms face a lot of unique risk when it comes to possible lawsuits, equipment damage and livestock deaths. Without insurance, you could face thousands of dollars in damages and repairs out of pocket.