Farmers Insurance


FARM INSURANCE

Farming is more than a business, it is a part of who you are. Every farm is unique, and there are a wide variety of coverage options available, including livestock, crop, equipment, income and irrigation insurance — and much more. Wyatt Insurance Group can tailor a comprehensive plan to the specific needs of your farm, so you can focus on all the other requirements of daily operation.

FARM PRODUCTS OFFERED

FARM PROPERTY

This includes coverage for Real and Personal property used in the farming operation.

Structures

  • Homes
  • Rental Homes
  • Household Contents
  • Detached Structures
  • Farm Buildings
  • Other Farm Structures

Equipment

Provides coverage for Combines, Tractors, Planters, Farm Implements and other non-auto transportation machinery. Coverage will also be provided for tools, supplies, and office equipment used in the farm operation.

 

FARM LIABILITY

All businesses face different liability exposures, and farm liability provides coverage specific to the type of farm or ranch business being operated. Understanding whether or not your farm liability risk is covered is important. Generally, farm policies provide liability coverage for:

  • Product Liability
  • Premise Liability
  • Operational Liability

In most cases, the following coverage would need to be added for additional liability protection.

  • Pollution Liability
  • Livestock Liability
  • Equine Liability

FARM AUTO

Farm trucks are important for your day-to-day operations. Hauling supplies, towing livestock or selling produce out of the back, it is essential to operate a farm. Standard coverages include:

  • Liability
  • Collision
  • Comprehensive
  • Uninsured Motorists
  • Underinsured Motorists
  • Medical Payments
  • Rental Reimbursement
  • Non-owned Insurance

Farm trailers, also are important to the day to day operations of a farm or ranch operation. In most cases, trailers will need to itemize on your business auto if they are licensed for road use. Utility trailers, semi-trailers, and livestock trailers can be covered for physical damage.

SPECIALTY AGRICULTURE

This refers to operations that may fall outside of the scope of a standard farm operation. Typically, these coverages are not covered on farm policies. This can include Agritourism, Commercial Agriculture, and Farm to Table operations.

Specialty Agriculture Commercial Agriculture
  • Dairy Processing
  • Commercial Bakeries
  • Beverage Bottling
  • Fruit/Vegetable Processing
  • Juice Processing
  • Meat Processing
  • Candy Manufacturing
  • Frozen Food Manufacturing
  • Pasta Manufacturing
  • Snack Food Manufacturing
  • Grower/Packer/Shipper
  • Fruit & Vegetable Distributor
  • Seed/Fertilize Dealers
  • Ag Chemical Distributor
  • Feed Manufacturing
  • Farm Stores
  • Cattle Feedlot
  • Agritourism
  • Sod Farms
  • Vineyards/Wineries