While farms need the standard types of insurance policies that other businesses need, such as property insurance and general liability coverage, they also need insurance that is specifically related to the business they run. Hardt Insurance has been insuring Michigan farms since 1906, insuring farms in areas like South Haven, Covert, Bangor, Fennville, Grand Junction, or Kalamazoo and Grand Rapids and beyond.
Farm Liability Insurance
Running a farm includes a lot of operations such as operating tractors or heavy equipment, selling farm products at market, or allowing the public on property to buy produce grown on the farm. These types of activities are covered by a farm liability policy. Standard homeowners insurance will not cover farm-related activities, so a farm liability policy will cover not only your personal liability but also the liability related to owning and operating a farm. Plus farm policies also include additional coverage for items like pollution liability or overspray liability.
Farm Equipment Insurance
It takes a lot of specialized equipment to run a farm. From tractors to irrigation equipment, trailers to combines, these complicated expensive machines are fundamental to a farm’s ability to operate properly, efficiently and successfully. Equipment insurance for the vehicles and machines on the farm will allow for reimbursement for certain losses and damages and can help keep you operational.
Workers Compensation Insurance
Farms that employ people should also look at workers compensation coverage. Without this protection, they will be responsible for paying the medical expenses and lost wages of employees who are injured at work. Even if the state doesn't require smaller farms to carry coverage, that doesn't make a farm immune from liability, so it is a good idea to explore the benefits of having this coverage.
For More Information
Let Hardt Insurance help with your farm insurance needs. Call us at 269-637-1181 or contact us online today.