Running a farm requires a lot of hard work and dedication. It also takes a reliable farm insurance policy to protect your investment, your staff, and yourself. Here are a few common claims that farm owners must consider when making decisions about their insurance coverage. 

Which Farm Insurance Claims Are Most Common?

1. Injuries or Damage Caused by Animals

Keeping livestock on farms safe and healthy is essential to protecting your investment. However, safe practices also prevent livestock from causing harm to others. For instance, farmworkers may be subject to animal bites or attacks. Farm animals can also cause damage to equipment and vehicles, which is often expensive to remedy. 

2. Slips & Falls

Slips and falls can happen on any property, but conditions within the agricultural industry make them more of an issue. If a person visiting your farm is injured because of a slip and fall and claims conditions directly to these injuries, you could be the subject of a lawsuit. 

3. Work Injuries

Farmers must ensure their workers are safe and secure. This entails having suitable workers’ comp insurance in the event an injury does take place. Workers’ comp coverage provides funding for lost income and medical bills after a work accident. It also safeguards you from potential liability issues. 

4. Wind Damage

High winds and storms can wreak havoc on buildings. Damage to siding and roofs can lead to water leaks and other issues within a structure, but they can also cause damage to other components of your farm. Along with reinforcing structures, having suitable insurance coverage is crucial in the event damage occurs. 

If you have questions about which insurance is right for you, Kirk Insurance Agency is happy to provide answers. This trusted insurance agency has helped clients in Spearman, TX, protect what matters most. They educate their clients and help them find a suitable policy, whether they’re in search of coverage for their home, vehicle, or business. Call (806) 659-2794 today to get started on a farm insurance quote. You can also visit the website for more information on services.