|
|
PROGRAM FEATURES AVAILABLE (but not restricted to):
|
- 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, eggs …
- 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 Poultry Farm Program Available
LIVESTOCK COVERAGE
We can insure your poultry 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;
- Collision, derailment or overturn of a land vehicle on which the insured livestock is transported;
- Vandalism or malicious mischief;
- Lightning; Electrocution;
- Attack by wild animals or non-owned dogs;
- Smoke or fumes;
- Huddling, piling, smothering;
|
|
 |
|
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.
|
SPECIALIZED PROGRAM FOR HATCHING EGG PRODUCERS
|
OBHECC - Group Insurance Program
- Unique for the needs of the Hatching Egg Producer
- Coverage starts when the birds are one day old and ends when birds are disposed of.
- Multi peril coverage including losses due to heat prostration, power interruption and mechanical breakdown.
- Settlements are based on your Actual Loss Sustained. If a loss occurs to your flock during the growing period of 20 weeks, this would include the costs for birds, feed and other expenses. Also, your loss of earnings is covered for the time you have to sit out your production period.
- If a loss occurs to your flock after the flock is transferred, the settlement will include your loss of earnings plus the value of the birds for the remainder of your production period.
- Also, loss of earnings is extended to your egg production facilities during the period of time those facilities are empty.
Advantages Over Other Programs/Coverage
- Coverage for birds being grown off premises may not be available.
- Business interruption insurance for birds grown off premises. The business interruption insurance may only provide coverage for a limited period of time and not for the income lost because the hatching egg producer is forced to sit out an entire production cycle.
- To arrange continuous coverage for flocks in the growing stage and production stage may require several changes every year to your existing insurance policy.
|
|
