Every business has its share of risks, but farmers and ranchers are especially vulnerable. One unseasonal storm or sudden disease can wipe out your annual profits in a single night, losses you might never recoup. Because many farmers live where they work, there's often no difference between business assets and private property, which is why farm insurance is so crucial.

According to Barron Mutual Insurance Company, serving clients throughout Barron County, WI, and the surrounding area, farm insurance offers several important layers of coverage, including:

• Liability Insurance: Farm operations expose owners to a variety of liability situations. If someone is injured in an accident involving one of your vehicles or a stray animal injures a passing motorist, the victims may file a lawsuit to claim damages. Your farm insurance policy will cover the damage, as well as the legal fees and other expenses.
• Personal Property Coverage: Your farm represents significant financial investments in equipment, livestock, and supplies, without which you might be unable to continue operating. When you purchase your farm insurance policy, your agent will help decide whether you should get a broad policy that covers all of your belongings or coverage that focuses on high-value pieces of property.
• Livestock Insurance: Livestock can be extremely valuable, but they're also exposed to a wide variety of threats, from lightning strikes to wild animal attacks. Most farm insurance policies include broad coverage against basic perils, but you can purchase additional extension to ensure that you're fairly compensated for the profits you've lost if your animals are injured or killed.

Since 1891, Barron Mutual Insurance Company has tailored their services to the communities they serve, providing farmers throughout the region with affordable policies and unsurpassed customer service. Visit their website to learn more, or call (715) 537-5141 to request farm insurance quotes today.