Dairy Farm Insurance

Farmers know that dairy farms producing quality milk that’s safe, delicious, and nutritious is hard work. When your livelihood is built on quality materials and high expectations, it’s essential that your insurance can keep up. Want an insurance quote and to learn more about your industry’s exposures?

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HWI / Farm Insurance / Dairy Farm Insurance

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Want to learn about insurance for dairy farms? Connect with one of our experts today to start a quote or ask questions.

Looking for some quick info? Click on one of the below topics to unpack your farm insurance!

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Farmer's Liability

The comprehensive farmer’s liability covers owned, rented, or leased land and property for personal and farming activities. It provides coverage for bodily injury and property damage from individual actions, farming operations, and volunteer liability.

Basic liability starts at $1 million and can go as high as $10 million. It is also the cheapest and most worthwhile coverage on your policy to purchase. Taking that combine out on a public road to get to the field? If it hits the power line, your liability coverage will shield you from the brunt of expenses.

Buildings & Contents

Fire, lightning, windstorm, and hail can be unexpected and uncontrollable. While we can’t predict the weather, we can ensure that you have protection for your barns, shops, sheds, bins, tools and other miscellaneous farm property and equipment by a policy unique to your farm and operations.

Income Protection

No one likes to imagine the worst-case scenario, but it’s our job to help you fully protect your farm and operations. In the event of a significant loss, the income lost during the time it takes to rebuild could be substantial. Protect your income flow with a policy with your back during a worst-case scenario.

Machinery Coverage

You invest a lot in the machinery and equipment you use to operate your farm. If damage is caused by fire, collision, or ingestion, the cost to repair or replace your machinery could be substantial.

Livestock Coverage

Your livestock is a primary income generator for your operation, so you must protect it with a policy that understands your unique risks. Ask us about the difference between a blanket and scheduling livestock.

Succession Planning

Farming is hard work, but covering your operation shouldn’t be. Let our experienced advisors help you navigate the tough decisions of the family business down to the next generation. Let’s work together to protect what matters most to you and your farm.

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Additional Coverages Available:

See below for a short list of additional coverages we recommend including for your farm insurance.

Equipment Breakdown Coverage

Losing vital equipment could undoubtedly impact your business’s ability to operate. This coverage helps to protect your gear from losses typically excluded under a general farm policy. Insured items could be anything from your most complicated milking systems to your basic but essential equipment.

Loss of Use Coverage

We know your equipment isn’t cheap, and we also know how important it is to the success of your operations. Having a successful farm operation means having equipment available in proper working conditions. Loss of Use coverage will reimburse the costs of renting a replacement if you cannot use your equipment due to an insured peril/incident.

Volunteer Fire Fighting Coverage (VFF)

Depending on your location, multiple voluntary firefighting departments may respond if a fire occurs on your land. Every voluntary fire department will send an invoice if they are called to help put out the fire on your land. Each department’s rates may differ, and you could see anywhere from $900 to $1200 charged as an hourly fee. It’s always important to contact your local RM or Municipal Office to find out if your taxes cover these charges or add some additional coverage to your policy.

Adding Voluntary Firefighting to your policy will ensure you are financially supported if you receive a hefty bill after the fire’s put out.

Don’t see what you’re looking for? CONNECT with our expert team, and let us find the right coverage for you!

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