Product liability insurance
Your farm policy provides some product liability protection, but only for produce that you grow on your property and that you sell in an unprocessed condition. If you are selling apples that you grew in your orchard directly to the public, your general farm insurance policy would provide product liability coverage if a child bites one of your apples and breaks a tooth.
If you turn your apples into apple cider, apple butter or some other processed good, then you would need to have additional commercial liability coverage written as a complement to your farm policy. Product insurance can give you that extra layer of protection.
Umbrella liability insurance
If your farm or ranch vehicles are insured with Nationwide, you may want to consider an umbrella liability policy. This is an additional layer of liability protection that goes over your other Nationwide liability. Umbrella liability insurance can be a cost-effective way to add more liability protection for your farm or ranch. Talk to your agent to learn more.