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Farm and Agribusiness* owners face many challenges and complexities in managing their businesses. Most don't even realize that they are underinsured. Below are some of the areas where Farm and Agribusiness owners often fall short in their coverage:


Farm Program covers dwelling and household personal property, farm personal property, as well as barns, buildings and other farm structures. Liability coverage includes injury and property damage, medical payments, advertising injury and farm pollution.




Loss of Income: Covers the loss of income right after the loss occurs. Also, this coverage helps if it takes longer than expected to resume normal business operations.


Extra Expense: For the business that needs to stay in operation at all costs, extra expense coverage provides reimbursement for the extra costs it takes to keep the business running

Agritainment: If you are thinking about providing "agritainment" on your farm, such as a hay ride, or corn maze, talk to your agent first - you may not be covered for liability if someone gets hurt.


Recreational Vehicle: If you have a 3 or 4 wheeler, or other "recreational" type vehicles on your farm, you may only be covered off the premises when using for farm activities. If you use these vehicles for non-farm activities off your premises, you may want to discuss your insurance coverage with your agent.


Product Liability: A typical farm liability policy may not cover your liability for products you sell on your farm. You may need additional product liability coverage in case of food-borne illness or other potential problems with the product you sell.


*In agriculture, agribusiness is a generic term that refers to the various businesses involved in food production, including farming, seed supply, agrichemicals, farm machinery, wholesale and distribution, processing, marketing, and retail sales.

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