What kind of coverage do poultry farms need?

Farms are businesses just like any other. However, a loss or disaster to a farming operation could be more catastrophic for the farming business than any other industry. Since there are countless hazards that might come along at any moment to damage property, interrupt production, and destroy products, farmers need the ability to recoup their financial losses.

So how can we help?

Lack of insurance or improper coverage is your worst enemy in the face of disaster, but tailored commercial insurance benefits for poultry farms and faculties will assist in recouping losses should a disaster occur and will help you protect your business in ways nothing else could.

Farm Dwelling Insurance

If you live on your farm, then this policy can cover your home, personal belongings, and personal structures.

Farm Structures Insurance

This coverage insures poultry houses, confinement buildings, silos, and other farm structures, including fences.

Farm Liability Insurance

Your operations might cause bodily injuries or property damage to various people. This coverage can help you repay them for losses.

Farm Equipment Insurance

Should important equipment such as tractors, sprayers, and other unattached equipment or tools get damaged, then this coverage can help pay for those items.

Farm Auto Insurance

Vehicles owned by the farm or used in its operations may need commercial auto insurance instead of personal auto insurance. Should an accident occur while the vehicle is involved in farm operations, that accident would likely not be covered under a personal auto policy—only commercial auto insurance.

Farm Umbrella Insurance

Under standard liability insurance, there will be limits. However, if a claim exceeds these limits, then umbrella liability coverages can help cover the remaining cost.

Loss of Income

Loss of income can help reduce any net losses you may incur due to a covered peril to your livestock, poultry, crop, or more.

Workers’ Compensation Insurance

If you have employees within your farm operation, then you will likely need workers’ compensation insurance. They can pay an employee supplementary income in the case of a work-related injury or illness. In other words, workers’ compensation compensates an individual for the time during which they are unable to earn wages. Coverages can be customized to meet the needs of those who reside on their farm by insuring both their personal and farm assets with a farm owner’s policy. Due to the numerous industry regulations for each type of farming operation, you may face renewal coverage requirements based on your specific operations as well.

What will poultry farm insurance cost?

You must be able to maximize your production and minimize your financial liabilities in order to make your farm a success. Your insurance plays a critical part in this strategy. Our goal at Simmons Insurance Agency, Inc. is to help ensure that you are covered for the risks that are important to you at a cost that suits your budget.

If reading through that made you feel overwhelmed, don’t worry. We are happy to have a conversation with you and answer any questions you may have about poultry farm insurance.

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As an independent agency, we are here to help you find the right Poultry Farm Insurance coverage.