Farm insurance

Malhotra & Assoc. Insurance Has You Covered

Need Farm Insurance?

Farm insurance is critical in protecting your operation from environmental and other damages. Your farm’s livestock, employees, structures, and equipment will help determine what type of farm insurance is right for you. No matter how small or big your farm or ranch may be or how complex your agricultural operation, our team will make the process of getting you the right protection easy and straightforward.

With over 25 years of experience, we can provide you with powerful knowledge, personalized care, and proactive solutions so you can find the coverage you need and deserve.

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Types of Farm Insurance

Just like there are many moving parts on a farm, and each operation is unique, farm insurance works in a similar way. The first thing you should discuss with your farm insurance agent is the different valuation options. You can select actual cash value, replacement cost, and coinsurance. 

Next, you have the different coverage levels to choose from. These include basic, broad, and special coverage levels. 

  • Your basic coverage farm insurance option includes perils such as theft, fire and lightning, smoke, explosion, windstorm and hail, vandalism, and more. 
  • Broad coverage gives you all the basic coverages, plus more options that could cover  certain farm livestock against perils such as electrocution, earthquake, unloading and loading accidents, attack by dogs and wild animals, accidental shooting and flood.  Broad form can also provide cover for collapse, falling objects and more.

Special coverage provides protection to the eligible property for risks of direct physical loss, unless excluded from the policy.

Farm Insurance Options then include:

  • Farm Personal Property including livestock, machinery, equipment, and farm products
  • Home and Tenant dwellings, household personal property, non-farm structures, and more.
  • Farm Liability Coverage including Employment Practice Liability, Product Liability, Equine Operations, Pollution Liability, Milk Spoilage, and more
  • Farm Structures

Other additional coverage options to consider for farm insurance; some of which may be included at no additional charge:

  • Foreign Object Damage
  • Borrowed Farm Equipment
  • Cab Glass Breakage
  • Farm Equipment Rental Reimbursement
  • Cargo Coverage
  • Equipment Breakdown
  • Umbrella Liability
  • Peak Season Endorsement
  • Damages During Hitching and Towing
  • Business Auto Insurance
  • Fleet Insurance
  • Income Disruption Coverage
  • Workers Compensation Coverage
  • Dwelling Ordinance and Law
  • Identity

There are also specific endorsements that are specialized depending on the type of farm you operate, such as dairy, orchards, beekeepers, fruit and berry, and more.

Buying Farm Insurance

Whether you have a small dairy, poultry, or horse farm, or perhaps a larger corporation spanning many thousands of acres, Malhotra & Assoc. Insurance farm insurance experts can provide you with a quote for the best coverage for your home, personal property, buildings, machinery/equipment, livestock, employees, and liability in a single policy from a leading insurer. 

Farm Insurance Coverage

Farm insurance is designed to be flexible to meet your individual needs across a broad range of perils. Broader coverage forms will include much of the same expanded coverage options you see in homeowners insurance.

Expanded farm insurance packages will protect your farm in the event of:

  • Weight of Ice
  • Snow
  • Sleet
  • Bursting of Water Pipes
  • Falling Objects
  • Power Surges

Farm insurance allows you to cover your:

  • Farm Property: livestock, farm machinery, equipment
  • Farm Products: animal feed, fertilizer, pesticides
  • Farm Structures
  • Employees in your farming operation

Certain things are not covered under farm insurance. Fires and fences are two important things to consider. Fencing is seldom covered by a standard farm insurance policy, but it can usually be insured with a policy extension. It’s also important to verify any exclusions in a farm insurance policy around fires. Although fire is a covered peril under the basic coverage of a farm policy, the access routes to the farm and its buildings can usually dictate whether coverage will be provided.

Contact Us Today for a Farm Insurance Quote

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