Farm insurance can be a bit complicated. It doesn't always mean you can get one policy to cover everything you need. Some insurers might offer ready-made packages for farmers, but you might have to put together different policies to ensure you have enough coverage.
Your farm has unique characteristics that may affect its specific coverage needs. Your agent may recommend the following policies.
General liability insurance may help pay for third-party losses such as bodily injury or property damage.
Farm dwelling coverage may help pay for repairs or other losses involving your residence if you live on your farm.
Farm outbuilding coverage may help provide financial assistance if a covered incident damages structures on your farm.
Workers’ compensation insurance may help pay for medical bills, lost income, disability benefits and legal costs if an employee is injured on the job or develops a work-related illness.
Equipment breakdown insurance may help cover financial losses involving broken, damaged or malfunctioning equipment.
Commercial auto insurance may help provide financial protection for accident-related damage or third-party losses if your farm owns and operates motor vehicles.