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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
- 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
- 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.
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- 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;
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