Farm Insurance

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.

Crop Insurance

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

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.

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What do you need to know about state farm insurance in Philadelphia?

When you have a farm, you should know some essential details about state farm insurance Philadelphia to avoid inconveniences while getting one. To understand, farm or agricultural insurance is nothing but a complete insurance package covering many farm elements. For example, farm insurance is specifically designed for agricultural buildings, businesses, output, and tools. When you opt for farm insurance, you get protection for many things related to your farm in a single policy. Farm insurance protects farm equipment and machinery, buildings, livestock, produce, and profits in a single policy.

To elaborate, in general, a farm insurance cover includes:

  • Deadstock, produce, farm buildings, machinery, let properties, contents, and home buildings as well.
  • Public, products, and employer’s liability.
  • Professional liability, legal expenses, and officer’s liability.
  • Diversification.
  • Environmental pollution.
  • Income protection.
  • Goods and livestock in transit.
  • Loss of revenue.
  • Electronic equipment, farm animal milking, computers, farm animal breeding assets, and feeding systems.
  • Reduced and uncollected milk because of weather.
  • Contamination of milk due to antibiotics.

The most important thing to understand when looking into farm insurance is that every farm is unique, and therefore every farm business has unique needs. Based on the particulars of the operation, even needs and required coverage considered universal may not apply. As a result, it’s advised that a farmer should make sure that his farm insurance is tailored to suit his farming needs.

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