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Farm Insurance

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While farms need the standard types of insurance policies that other businesses need, they also need insurance that is specifically related to the business they run.

You can read more about the insurance needs of farms below.

Crop Insurance

Some farms make most of their profits from their crops.

When a disaster, such as a tornado, wildfire or flood strikes and the crops are devastated, crop insurance can reimburse the farm for the losses.

Before buying crop insurance, it's vital that farmers submit an accurate representation of the planted acreage they have per unit.

Should they underreport, they may not be reimbursed for all losses they could realistically experience.

Livestock Insurance

Livestock insurance is a multifaceted type of coverage with several different policy options.

For example, farmers can purchase the following:

-Coverage for specific activities such as their livestock's transit or for auction market coverage.

-Coverage for specific animals such as poultry coverage or pasture and dairy cattle coverage 

-Mortality insurance for animals with an especially high value to the farm, such as a stud.

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.

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