• Farm General Liability
• Farm Product Liability

Understanding Farm General Liability Insurance

As a farmer or rancher, you should consider four primary areas of liability:

Premises Liability

These are liabilities incurred when someone is hurt or has their property damaged caused by some condition on your property. A common example is a visitor who slips and falls on your property.

Operations Liability

This is a liability as a result of someone being injured or having their property damaged because of some aspect of the operation of your farm and ranch. The most frequent examples are livestock that get in the road and cause vehicle accidents, and farm equipment in the road.

Pollution Liability

This is liability for bodily injury or property damage that results from the escape of pollutants either from your farm or while transporting the pollutant. There is also liability for clean-up costs imposed by governmental authority.

Coverage options vary by state and jurisdiction. In most states, optional coverage is available to provide protection for some of your pollution exposures.

Product Liability

Product liability is when bodily injury or property damage occurs caused by consumption of your product.

Our AgriChoice^® policy provides general liability protection (subject to exclusions and policy conditions) for Premises and Operations liability. It also provides some limited coverage for product liability.

Agritourism

One area of Premises liability that deserves special consideration is Agritourism activities. Generally. those activities will not be covered by your farm or ranch policy. We offer an add-on coverage to your farm or ranch policy that can provide protection for most types of agritourism.

It is important that your agent be aware of all activities that take place on your farm or ranch so that the agent can ensure that you have the protection you need.

^{Products and discounts not available to all persons in all states. Products are subject to deductibles, exclusions, and conditions}.