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While farms need the standard types of insurance policies that other businesses need, such as property insurance and general liability coverage, they also need insurance that is specifically related to the business they run.
Some farms make all or most of their profits through the crops that they grow. When a disaster, such as a tornado, wildfire or flood strikes and the crops they depend on are devastated, crop insurance can reimburse them for the losses they face. Before buying crop insurance, it’s vital that farmers submit an accurate representation of the planted acreage they have per unit. Should they underreport, they may not be reimbursed for all losses they could realistically experience.
Livestock insurance is a multifaceted type of coverage with several different policy options. For example, farm owners can buy coverage for specific activities such as their livestock’s transit or for auction market coverage; they may buy coverage for specific animals such as poultry coverage or pasture and dairy cattle coverage; or they may buy mortality insurance for animals with an especially high value to the farm such as a stud.
Farm Equipment Insurance
It takes a lot of specialized equipment to run a farm. From tractors to irrigation equipment, trailers to combines, these complicated expensive machines are fundamental to a farm’s ability to operate properly, efficiently and successfully. Equipment insurance for the vehicles and machines on the farm will allow for reimbursement for certain losses and damages and can help keep you operational.
Workers Compensation Insurance
Farms that employ people should also look at workers compensation coverage. Without this protection, they will be responsible for paying the medical expenses and lost wages of employees who are injured at work.
Farm Insurance FAQs
What is covered by farm insurance?
Typically, farm insurance covers loss or damage to crops, livestock, and farm equipment resulting from natural disasters, theft, and other perils. It may also include coverage for injuries sustained on the farm.
What distinguishes farm insurance from homeowner’s insurance?
Farm insurance typically covers damage to farm-related assets, such as crops and equipment, whereas homeowner’s insurance typically covers damage to a residence and personal property.
Can I insure my crops against damage caused by weather?
Yes, the majority of farm insurance policies cover weather-related crop damage.
Does farm insurance cost vary depending on the type of farm?
The price of farm insurance can vary based on the type of farm, its location, and the value of the insured assets. A small family farm, for instance, might have lower insurance costs than a large commercial farm.
Is it required to carry farm insurance?
It is not required for farmers to have farm insurance, but it is highly recommended as it provides financial protection in the event of unforeseen events like natural disasters, theft, or other damages.
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