Farm Dwellings and Contents
• Comprehensive coverage
• Guaranteed replacement cost on farm dwellings and replacement cost on contents.
Farm Outbuildings
• 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
Farm Machinery
• Farm equipment can be covered on a blanket basis
• 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)
Produce
• Highlights listed
Business Interruption (Loss of Income)
• Profits form available which includes a 12 month loss of income agreement
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.

Individually tailored farm programs designed specifically for your needs
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.
Coverage available for product being transported
Peak season coverage available
Multiple discounts available
Various deducible options available
Flexible payment plans and renewal dates

Note: Coverage available for roadside stands and market stalls

NURSERY COVERAGE

We can insure your nursery stock on an “All Risk” basis. Some of the perils covered are:

Fire; Explosion;

Lightning;

Windstorm or Hail;

Vandalism or malicious mischief;

Theft;