Yes. We’d be happy to look at your current farming operation an make our recommendations on the best policy. The more a licensed agent knows about your farming operation, the better they can recommend the right coverage for you.
Every company has they own “threshold” for claims tolerance. Depending on the type of claim you have, you may see a premium increase if you have more than one large claim in a short period of time.
Each farming operation has different pollution exposures. If you are handling or hauling manure and/or chemicals yourself, then you should have some pollution coverage. If you are hauling anything with a vehicle on your auto policy, you should also have pollution coverage for those. Our pollution policy will cover liability (bodily injury and physical damage) and cleanup and removal expense, on or off premise, and in transit locations.
Liability needs are different for each farming operation depending on size, exposure, and location. A good place to start is to ask yourself how much money you would need in a worst-case scenario to protect yourself, your business, and your assets.
Endorsements are a great way to personalize your farm insurance to reflect your farming operation’s needs. They are an additional coverage or exclusion that you can add to a policy to get extra coverage where you need it.
Any time you add a new piece of property, you should let your agent know right away so they can add it to your policy. It is also a good idea to review your policy at least once a year to make sure that all your property is accounted for and everyone that needs to be is listed on the policy.
A good relationship with your agent is key. Your agent should have an understanding of your entire farming operation, and be able to recommend the right coverage for you. If you would like one of our agents to review your policy and answer any questions you may have, please contact our office at (888) 481-1342.