Ohio Farm Insurance

Workers Compensation/Employers Liability

Coverage to protect employees against injuries while at work.

Legacy Planning/Life Insurance

Creative plans to insure long term success of family farms,
key man life policies, funding farm perpetuation with life insurance
plans can be extremely cost effective.

Crop Insurance

Coverage against loss of production/yields, or revenue for growing crops.
Read more.

Farm Liability

Coverage that protects you and your assets against financial loss
due to your negligence. Accidents happen. Have the proper limits to
protect what you’ve worked for your entire life.

Intake of Foreign Objects

Coverage for your combines, sprayers, tractors and other
pieces of equipment needed to run your operation.

Farm Equipment

Coverage for physical damage against loss of tractors, implements, tools, etc.

Personal Liability

Protects against loss for bodily injury or property damage by
residents of the home who you’re legally responsible for.
For example, grad parties, swimming pools, dog bites, accidental shooting, etc.

Farm Dwelling

Homeowners coverage for owner occupied dwellings,
will cover the home, personal property, loss of use, etc.

Livestock

Coverage for loss to the animal, standard peril coverage against
fire, windstorm, lightening. Mortality coverage against grazing poisoning, drowning, disease, etc.
Read more.

Business Income

Protection against loss of revenue. Example- steer building burns down,
farm loses out in 2 rotation and is out the profit for those rotations, coverage
would kick in to make the farmer whole again and pay for lost profits and extra expenses.

Recreational Vehicle Liability

coverage for rangers, gators, ATVs, side by sides, snowmobiles, etc.
If the vehicle leaves the home farm location it needs to have recreational
vehicle liability for coverage to apply. The vehicles also need to be listed
for coverage against physical damage. For example, theft, collision.
If used for farm use, we can cover as farm personal property, which will
include the recreational vehicle liability.

Farm Buildings

Coverage against physical damage loss to the structures.
Replacement Cost, Functional Replacement Cost, and Actual cash value options are available.

Personal Auto

Coverage for vehicles not used for farming purposes. Typically a spouse or child’s vehicle.

Grain Complex

Coverage against damage to the structure. Entire complex can be insured
under a blanket limit with one deductible. Stored Grain- peak season coverage
available when the grain is stored, and at a fraction of the cost of farm personal property.

Farm Trucking

Coverage for commercial vehicles. Anything with a GVW over 12,000lbs
will be insured on a commercial farm auto plan. These plans are heavily discounted
if using for hauling owned commodities and not using for hire. Policy can also cover
trucking for hire or others as well.

Secondary Locations

Coverage against secondary locations. This can include dwelling coverage,
building coverage, farm personal property. Can be a family members residence,
a rental dwelling, or a tenant occupied location. Lots of variables and options available.

Pollution Liability

Coverage against accidental seepage of a pollutant into soil or water table.
Coverage for cleanup costs, punitive damages, and defense available.