Farm & Ranch

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.

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.

Division I

Residences and Household
Contents Covers

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

Additional Options

Replacement cost on residence and contents, expanded replacement cost, functional replacement cost (residences only) builders risk, excess business property contents

Division II

Buildings and Building
Contents Covers

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

Additional Options

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

Division III

Farm Personal
Property Covers

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

Additional Options

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

Division IV

Covers

Direct physical loss or damage coverage for valuables that you choose to insure

Additional Options

Jewelry, furs, coins, stamps, fine arts, silverware, musical instruments, cameras, golf equipment, bicycles, signs, guns, watercraft

Division V

Liability Covers

Bodily injury and property damage liability, business liability for activities incidental to farming, medical expenses, first aid, cost of defense, farm chemical transportation coverage

Additional Options

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

Additional Endorsements

Agribusiness Choice, Select or Premier
Equine Select
Farm & Business Income
Drone Coverage
Equipment Breakdown
Trellis Coverage
Umbrella

Peril Group 1

Fire, Lightning

Peril Group 2

Windstorm, Hail, Explosion, Aircraft, Vehicles, Smoke

Peril Group 3

Vandalism and Malicious Mischief

Peril Group 4

Theft, Collision, Upset or Overturn of a vehicle in transport

Peril Group 5

Weight of ice, snow, or sleet, freezing of plumbing, falling objects

Peril Group 6

Residences and Buildings
Direct physical loss or damage

Peril Group 7

Household and building contents
Direct physical loss or damage

Peril Group 8

Scheduled personal property Direct physical loss or damage

Peril Group 9

Livestock - Electrocution, Drowning, Mining, Attack by dogs or wild animals, accidental shooting or poisoning, earthquake, flood, loading and unloading

Peril Group 10

Farm machinery
Direct physical loss or damage