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PROGRAM FEATURES AVAILABLE (but not restricted to):
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- Farm Dwellings and Contents
- Comprehensive coverage
- Guaranteed replacement cost on farm dwellings and replacement cost on contents.
- Greenhouses and Service Buildings
- Comprehensive coverage that includes collapse or damage due to snow load, ice load as well as impact by own vehicle.
- Replacement cost – No depreciation on complete or partial losses
- Crop
- Protection for growing plants, flowers and vegetables while within your greenhouse
- Business Interruption (Loss of Income)
- Profits form available which includes a 12 month loss of income agreement
- Farm Machinery
- Replacement coverage for new mobile farm machinery for the first five years
- Automatic coverage for borrowed farm machinery
- Automatic coverage for newly acquired equipment (30 days)
- Farm Liability
- Basic limits of $2,000,000 with higher limits available
- Limited Pollution Liability: Basic Limit: $500,000 per occurrence - $1,000,000 aggregate. Higher limits available.
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- Individually tailored greenhouse programs designed specifically for your needs
- Coverage available for both glass and poly greenhouses
- Coverage includes loss to refrigerated produce while confined in refrigeration units within insured buildings, due to change in temperature as a result of damage to the building or equipment, caused by an insured peril or due to mechanical or electrical breakdown of the refrigeration unit or by electrical power interruption.
- Peak season coverage available
- Boiler & Machinery - Protection is available for certain losses that result from accidents to mechanical, electrical and pressure equipment. Coverage may also be extended to include damage to production and electronic machines
- Coverage available for product being transported
- Multiple discounts available
- Various deducible options available
- Flexible payment plans and renewal dates
Note: Elite Greenhouse Program Available
Eligibility for “Crop” and “Business Interruption (Loss of Income)”
- Back-up generator for power interruption.
- Professionally installed alarm, which warns of change in temperature and electrical power interruption. Must be connected to a telephone dialer.
- Both the generator and alarm systems must be tested every 30 days and an up-to-date record kept.
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