When you operate a farm, you have unique insurance coverage requirements. Not only is the operation of your business different, but you may also both live and work in the same location. A regular homeowner or business property policy may not be the best solution. Farm insurance was designed for your one-of-a-kind situation.

Farm Insurance Offers You Many Types of Coverage

Depending on your farm, you may need a variety of insurance types to fully protect your business and your residence.

Property Insurance

This insurance can help protect the different buildings on the farm, including:

• Your residence
• Personal property inside your home
• Barns
• Silos
• Stables
• Other farm structures

Farm Personal Property Insurance

We recommend this insurance to cover the property you need to operate as a farm. It may cover tools, farm equipment, machinery, grain, and livestock, among other types of property.

Farm and Ranch Liability Insurance

You don’t want an injury on your farm premises to put you out of business. This coverage can provide liability protection from accidents to visitors, including guests or delivery people.

Crop and Agricultural Insurance

With the unpredictable weather we’ve been experiencing lately, it makes sense to have this coverage in case of natural disasters and other weather events, as well as low market prices and insect damage. When crops are your source of income, you may want to consider multiple peril crop insurance (MPCI), crop-hail insurance, and crop revenue insurance.

Other Common Types of Farm Insurance

There are other kinds of farm protection you may wish to purchase based on your particular farm, including:

• Workers' compensation, in case an employee is injured on the job
• Equine insurance for horses and the people who work with them
• Business auto insurance for vehicles used in the operation of your farm

Independent Agents Offer Farm Insurance Customized to Your Needs

We welcome the opportunity to help recommend a farm insurance policy to your unique requirements for protection. Independent agents provide personalized service and have a wide selection of farm insurance products that can be tailored to fit your needs.

To start a farm insurance policy, or to get your questions answered, call Midwest Focus Group Insurance Services at 309-596-3900 today, or get in touch online.

Get a Free Farm Insurance Quote