Farmowners Insurance: What Every Farmer Needs To Know In 2022

​The number one reason many farmers need insurance is to protect their assets, business, and families. Farmers' assets that include capital investments, equipment, buildings, inventory, and animals may require different levels of insurance coverage.

​What Farm Owners' Insurance Covers
Farm owners Insurance pays for the physical property damage caused by your farm machinery and equipment. They may pay for the items on your farm such as horses, cows, goats, llamas, pigs, chickens, geese, rabbits, cats, dogs, etc. Farm owners’ insurance can also pay for the construction and maintenance of buildings on your farm.

1. Farm Property
   Farm property insurance protects your farm or ranch equipment so that it can continue to operate at its peak. This type of insurance is also designed to cover your agricultural equipment, livestock, fertilizers, and pesticides. Farm property insurance will keep you from losing your income when a farm or ranch is no longer operational.
   
   
2. Farm Liability
   Farm or ranch liability will protect your assets from bodily injury claims and accidental property damage claims. The coverage is customizable to suit your individual needs, with unique features to keep your business running. If you operate your farm as a business, you may be covered for injury or death caused by your farm operations.
   
   
3. Crops
   Crop insurance is an important part of your farm operation due to unpredictable weather patterns and other uncertainties. You get covered for planting, replanting, huge production losses, bad weather-related losses, and much more. More so, you can get coverage even if your farm consists of just forage, rangeland, or pasture.
   
   
4. Vehicles and Machinery 
   Farm trucks and semis are essential for efficient, safe, and reliable farming. Whether you’re a farmer or rancher, get your insurance in place to ensure that you’re covered for these vehicles. All of our policies are written on a farm-based insurance policy, which means that they are designed to protect farmers from claims against them if there is an accident.
   
   
5. Workers’ Compensation Claims
   An employee’s injuries can leave you with no choice but to file for workers’ compensation. A workers’ compensation policy can be invaluable if an injury occurs, and it can help protect both you and your employees from financial liability.

A farm owner’s insurance cover gives you peace of mind knowing that your investment is safe no matter what happens. 

At Insurance Agency Network, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (425) 448-9190 or Click Here to request a free quote.