Farm & Ranch
Farm & Ranch are larger equine boarding facilities that normally have 15+ horses, conduct lessons and clinics, train horses, hold clinics, and transport horses for boarders. Coverage for tack, hay, and loss of income are other coverages on these policies. One of the most well-known coverages these boarders are looking for is care, custody, and control for boarded horses and coverage for transporting their clients horses. We also write cattle farms and other agribusiness but, our main focus is equine.
Who We Serve
Insure against the most likely perils without breaking the bank. Our farm policies protect your business in its entirety – from your residences and buildings, to your hay and tack. Our equine select endorsement extends coverage for tack taken off-site and includes a limit for arena footing.
Dwellings, Household contents, loss of use, debris removal, fences, custom entrance gates, trees, shrubs, plants, lawns, refrigerated products, outdoor radio, satellite, and TV equipment, motorized vehicles, restoration of operations records, computer hardware and software, credit card theft, increased cost of ordinance or law, fire department service, fire extinguisher recharge
Replacement cost on residence and contents, expanded replacement cost, functional replacement cost (residences only) builders risk, excess business property contents
Barns, farm structures, private structures, silos, sheds, greenhouses, controlled atmosphere storage, permanent equipment in buildings, limited fencing and custom entrance gates, limited signage, refrigerated products
Replacement cost on buildings and contents, consequential loss, builders risk, operations records, tenant improvements and betterments, extra expense, equipment breakdown, protection for your lost income, increased loss of refrigerated products, ordinance or law
Livestock, farm machinery, farm products, supplies and tools, haystack coverage, nursery and greenhouse plants, borrowed farm machinery, irrigation equipment, newly acquired farm machinery and livestock coverage, limited pollutant cleanup and removal, property in the custody of common or contract carrier, fire extinguisher recharge, blanket coverage, specific coverage
Farm machinery used for hire, rental reimbursement, property average coverage, excess property away from premises, special silo unloader coverage, borrowed or rented farm machinery, all terrain vehicles and snowmobiles for partial farm use, periodic increase in limits
Direct physical loss or damage coverage for valuables that you choose to insure
Jewelry, furs, coins, stamps, fine arts, silverware, musical instruments, cameras, golf equipment, bicycles, signs, guns, watercraft
Bodily injury and property damage liability, business liability for activities incidental to farming, medical expenses, first aid, cost of defense, farm chemical transportation coverage
Personal injury, names insured medical expenses, limited custom farming, livestock boarding, farm employee coverage, care, custody, and control of livestock, harvest-your-own, watercraft, home day care coverage, employment practices liability, Employee benefits liability