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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.
- 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
- Livestock
- 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)
- Produce
- Comprehensive coverage which covers feed, fertilizers, herbicides, pesticides, livestock medications
- 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.
- 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
- Veterinarian Expenses – Postmortem examination determining cause of death is covered
- Dead stock removal available
- Multiple discounts available
- Various deducible options available
- Flexible payment plans and renewal dates
Note: Elite Hog Farm Program Available
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LIVESTOCK COVERAGE
We can insure your swine on a “Named Perils” basis. Some of these named perils are:
- Fire; Explosion;
- Windstorm or Hail; Hurricane;
- Flood, meaning rising waters;
- Earthquake; Collapse of buildings, bridges, culverts;
- Falling objects directly striking the livestock;
- Collision, derailment or overturn of a land vehicle on which the insured livestock is transported;
- Vandalism or malicious mischief;
- Theft;
- Lightning; Electrocution;
- Drowning, excluding choking on their own internal fluids;
- Attack by wild animals or non-owned dogs;
- Smoke or fumes;
- Huddling, piling, stampeding, smothering, freezing or change in temperature;
OPTIONAL LIVESTOCK COVERAGE
Heat Prostration
Heat exhaustion due to extremes in atmospheric temperature.
Available discounts:
- Utilizing a professionally designed and installed sprinkler or misting system will entitle you to a discount.
- Utilizing a professionally developed and installed ceramic coating on the roofs of your barns will entitle you to a discount.
Broad Form Consequential Loss
An interruption in the operation of the heating or ventilation systems of the building which confines the livestock caused by a sudden and accidental:
- Interruption of electrical power or fuel supply to the above systems caused by an insured peril.
- Electrical or mechanical breakdown of the above systems caused by an insured peril.
Eligibility for 'Heat Prostration' and 'Broad Form Consequential Loss'
- 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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