Your farm is more than the land where you care for crops or animals; it is your livelihood, and maybe even your heritage. Chances are you have a lot of property and assets to protect, from your house, tools, vehicles, and machinery to your outbuildings, crops, horses, and livestock. Nothing is safe from disaster, including your income. However, there are ways of protecting yourself and your income against a wide range of unfortunate scenarios.
Farm Property Insurance
The right farm insurance should reimburse you for losses to your personal property and income due to covered events. In most cases, this includes coverage for damages incurred by fire, smoke, explosions, inclement weather, falling objects, theft, vandalism, and more. In any of the following scenarios, the right farm insurance can help cover your loss:
- Your roof collapses under the weight of ice or snow
- Your hay goes up in flames during a wildfire
- A tree falls on your barn
- Illness prevents you from selling tainted cow’s milk
- A wild animal eats your chickens
When bad things happen – and they do – you should not have to worry about how you will replace your lost income or assets. Regardless of what you own and grow, you need insurance that protects your bottom line.
Farm Liability Insurance
Your potential for liability losses depends heavily upon the type of farm you own. The more property you own and the bigger your farm operation, the more vulnerable you are to risk. If you are in some way responsible for another person’s injuries or property damage, you could be held financially liable. There are several scenarios in which this could occur:
- Someone is injured on your property
- Your animals escape and cause an injury or property damage
- One of your ranch hands collide with another vehicle while taking livestock to auction
- You are responsible for environmental pollution caused by overspray
- A customer trips in your driveway while picking up an order
At Brian Van De Hey Insurance, we help our customers find specialized liability coverage uniquely designed for the needs of farmers. Liability can help cover the cost of lawsuits, legal defense fees, judgments, and other expenses. Coverage options include:
- General Liability
- Workers Compensation
- Commercial Auto Insurance
- ATV/UTV Liability
- Pollution Liability
- Custom Liability (i.e. roadside stands)
- Umbrella Insurance
We can even offer extra liability in the form of umbrella insurance. Like an actual umbrella, this type of coverage is like a back-up if you reach the liability limits on any of your other insurance policies.
De Pere, WI Farm Insurance Quotes
At Brian Van De Hey Insurance, we offer a one-stop-shop for affordable property and liability farm insurance that helps take care of you and your entire country estate when catastrophes strike. That means knowing your farm’s operating expenses are covered if your business is interrupted, and that your family’s temporary living expenses will be paid for if you are displaced from your home due to a covered event. It also means knowing you have the advocacy and support of a reputable insurer when faced with costly financial responsibilities.
Let us shop around to find you the complete Wisconsin farm insurance coverage you need at a competitive rate. We can also help you uncover important discounts designed to save you as much money as possible. Call us today to request your quote. We look forward to serving you soon.