Farm insurance is not one-size-fits-all.
Plans can include commercial coverage such as liability and auto liability, along with personal exposures such as personal liability, property, and vehicles. Coverage may also be available for agritourism and ag business operations.
Because farm coverage can involve a mix of personal and commercial risks, it is important to look closely at how the operation is set up and what needs to be protected.
At Harmoning Agency, we believe you will know what you are buying. That matters on any policy, but especially on a farm policy.
Coverage That Fits Your Operation
The right coverage starts with agents who are interested, pay attention to detail, and take the time to talk through the risks that come with your operation.
No two farms are exactly alike. Buildings, machinery, livestock, vehicles, crops, liability exposures, and personal property can all play a role in the coverage you need. The goal is to make sure those risks are discussed and covered appropriately.
Farm Insurance Coverage Options
Commercial/Farm Liability
Coverage that can help protect against financial loss if you are responsible for property damage, personal injury, or other covered liability exposures tied to your operation.
Commercial Autos, Trucks, and Semis
Coverage for vehicles (autos, trucks, semis) used for business purposes.
Personal Property and Vehicles
Coverage designed to help protect your belongings and personal-use vehicles from losses such as theft, fire, and everyday driving risks.
Personal Liability
Coverage that can help if an accident in or out of your home results in bodily injury or property damage you are legally responsible for.
Farm Property and Buildings
Coverage for buildings and structures used in your farming operation, along with other farm property exposures.
Farm Machinery
Coverage that can help with the cost to repair or replace equipment damaged by a covered loss.
Livestock
Coverage for losses involving livestock, including events such as lightning, fire, theft, and certain loading or unloading accidents. Additional animal mortality coverage may also be available in some situations.
Multi-Peril Crop Insurance
Coverage to help protect your investment from hail, drought, flooding, or other covered natural disasters, and price volatility.
Cyber Risk Protection
Coverage that can help protect against liability tied to data breaches involving sensitive customer information.
Worker’s Compensation
Coverage that can help with wage replacement and medical or rehabilitation costs for employees with a work-related injury or disease.
You Will Understand What You Are Buying
Farm coverage can get complicated. Different parts of an operation may be covered in different ways, and small details can matter.
That is why we believe it is important to walk through the risks carefully and help make sure you understand the coverage you are purchasing and how it protects your operation.
Ongoing Reviews Matter
Farm operations change over time. Equipment changes. Buildings are added. Uses shift.
At Harmoning Agency, we hold annual reviews to help make sure your coverage continues to fit your needs.
A Relationship That Lasts Beyond The Policy
We represent many companies and can customize coverage to fit your risks. In addition to protecting farm property, buildings, machinery, and livestock, we also offer multi-peril crop insurance and private crop and hail products to help strengthen your coverage.
What matters most is making sure the plan fits your operation and that you know what you are buying.
