Agribusiness Insurance

> Farm Owners/Ranchers

Standard Coverages

• Farm dwellings and structures attached to covered dwellings
• Trees, shrubs, plants and lawns within 250 feet of a covered dwelling for up to $2,000
• Optional Coverages:
  • Replacement cost on dwelling
  • Inflation guard for dwelling and structures

• Unattached structures appurtenant to the dwelling, $250 on outdoor radio and TV antennas and satellite dishes

• Furniture and household contents
• Standard limits for personal articles
• Increased “Special Limits of Insurance”
  • $400 for money or gold
  • $2,000 for gravemarkers
  • $3,000 for securities or letters of credit
  • $3,000 watercraft, outboard engines, watercraft furnishings and trailers
  • $3,000 for furs, jewelry, precious stones and watches (theft only)
  • $5,000 for business property on the insured location
  • $500 for business property off of the insured location
  • $5,000 for silverware or goldware (theft only)
  • $5,000 for firearms
  • $500 for credit card and fund transfer cars forgery and counterfeit money
  • $1,000 for household personal property away from the insured location

• Coverage for necessary increases in living expense if a covered cause of loss renders home uninhabitable.

• Farm machinery, irrigation equipment and livestock
• Newly acquired farm machinery is automatically covered for $100,000 for 60 days
• Replacement farm machinery is automatically covered for $100,000 for 60 days
• Farm machinery damaged by contact with roadbed or ground
• Farm machinery damage caused by contact with between a tractor and an implement during towing, hitching or unhitching operations
• Primary coverage for borrowed, rented or leased farm machinery
• Theft of miscellaneous tools and equipment on or away from insured premises

• Farm machinery and livestock
• Unscheduled farm machinery and equipment at or away from insured location
• Farm products in the open for certain causes of loss
• Property in the custody of a common or contract carrier up to $1,000
• Cost of restoring farm operation records up to $2,000

• Farm buildings and structures other than dwellings
• Newly constructed farm structures automatically covered up to $250,000 for 60 days
• Private power and light poles
• Outdoor radio and TV equipment, antennas and towers
• Fences, corrals, pens, chutes and feed racks
• Silos, portable buildings and portable structures
• Improvements and betterments
• Building material s and supplies kept on or adjacent to the location that is insured

• Basic and comprehensive liability coverage for bodily injury and property damage to others
• Liability for personal and advertising injury
• Product liability
• Fire legal liability for $50,000

• Pollutant clean-up and debris removal
• Fire department service charge with no sublimit
• Damage to property removed for safekeeping to avoid further damage by a covered cause of loss (for 30 days and up to $100,000)
• Removal of fallen trees near residence up to $2,000
• No deductible for cab glass in scheduled machinery and equipment

Optional Coverage:

• $10,000 for hay, straw and fodder
• $10,000 for computer equipment and software
• $10,000 for miscellaneous equipment
• $10,000 for office equipment
• $10,000 for transportation of farm personal property
• $50,000 limit for hay per stack
• $250,000 for new farm structures
• $250,000 for newly purchased farm machinery and equipment
• $10,000 for rental reimbursement for mobile farm machinery and equipment
• Replacement cost value for partial loss under Scheduled or Unscheduled Farm Personal Property for agricultural machinery

• Spoilage coverage for owned milk up to $100,000
• Hay, straw and fodder coverage for $50,000
• Hay stack limitation increased from $10,000 to $100,000
• Contamination of nonowned milk
• Contamination of owed milk up to $100,000 (subject to $1,000 deductible)
• Livestock collision coverage for $2,000 per animal
• Livestock theft coverage for $1,000 per animal and $5,000 per accident
• Additional extra expense coverage of $10,000

• Disruption of operations
• Higher limits for transportation coverage when there is a need
• Extra expense you incur to resume normal operations interrupted due to a covered cause of loss
• Computer coverage endorsement
• Enhanced pollutant cleanup endorsement (increased limits ranging from $25,000 to $100,000) coverage applies on or away from insured premises if the discharge is caused by collision, upset or overturn of a vehicle or its trailer
• Business income coverage
• Watercraft hull coverage
• Sump overflow and water backup from sewers and drains