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Buildings & Contents
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 to rent a replacement if you cannot use your equipment due to an insured peril/incident.
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.
Multiple voluntary firefighting departments may respond if a fire occurs on your land, depending on your location. 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 that you are financially supported if you receive a hefty bill after the fire’s put out.
Hail Insurance Coverage
When hailstorms happen, your assets need to be properly covered. Harvard Western Insurance has been working closely with the farming community for over 100 years and understands what it’s like to be through hail and back.
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.
Commercial Umbrella Liability insurance provides additional, worldwide coverage to supplement your existing policies. For example, they can provide additional coverage (up to $5 million) when your business or commercial auto insurance is maxed out or by filling gaps in areas of underlying policies don’t cover.
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.
Our Loan Protection coverage is not a one-size-fits-all style policy. Our personalized policies translate to better coverage and premiums that are, on average, 30-50% lower than traditional Creditor Insurance. We also allow you to lock in your rates, so you will not be faced with expensive increases down the road.