Your farm is much more than a plot of land. It’s also your livelihood, representing years of hard work and massive investments in time, energy, and financial resources. At any time, a major weather event or sudden disaster can threaten your business and livelihood — unless you have a farm insurance policy to protect you from the unexpected. Below are answers to a few common questions about these insurance policies and the benefits they offer.

Common Questions About Farm Insurance

Who needs farm insurance?

Any agricultural operation with buildings, equipment, and workers needs protection against threats such as hailstorms, fire, theft, and vandalism. A farm insurance policy will pay to repair or replace any business property damaged or destroyed in a covered event while protecting you from expensive liability claims.

What coverage does farm insurance include?

Most farm insurance policies include business property and liability coverage, but you may also want to invest in additional protections, depending on your circumstances. For instance, you may want additional personal injury protection to cover accidents that might occur elsewhere or living expenses coverage that will pay for short-term accommodations if your home is rendered uninhabitable by a fire or natural disaster.

If an insurer turned me down, can I still get coverage?

Each insurance company uses their own formula to decide whether to provide coverage and how much to charge. Even if one carrier has decided not to write a policy, that doesn’t mean another won’t provide you with affordable protection. An independent insurance agent can simplify the process, comparing policies from several carriers to find the right coverage at the best rates possible.

Do I need special coverage if my farm is open to the public?

Agritourism activities like picking fruit, hayrides, and mazes, are an increasingly popular way for farmers to augment their income. However, you may be held responsible if a visitor to your farm is injured in an accident, so your insurer may recommend additional liability protection. In general, it’s best to carry liability coverage equal to the value of all your business assets combined.

Since 1933, farmers throughout Maryland’s Cecil County have relied on Crothers Insurance Agency to protect the things that matter most. These insurance agents pride themselves on going above and beyond to ensure every client is taken care of, and they will take the time to find a farm insurance policy tailored to your unique needs. Get more coverage tips by following them on Facebook, or call (410) 658-5200 now to request your free farm insurance quote.