Agribusiness
Commercial agribusiness umbrella insurance
It’s important to have extra protection above the limits of your general liability, auto and fleet or other commercial liability coverages.
What a commercial agribusiness umbrella policy covers
Umbrella insurance is an inexpensive way to provide additional limits of liability coverage, such as:
- Bodily injury or property damage that occurs on your premises, or is caused by your products or completed operations
- Crop application and seedsmen’s liability coverage
- Lawsuit defense costs
- Host liquor liability
- Pollution release caused by hostile fire, anhydrous ammonia release or mobile equipment
Tailored to meet your business needs
Our agents will help you determine how much commercial umbrella insurance you need based on the type of business you own and how much coverage you already have.
Business operations
We’ll assess your business liability exposures to help determine the best limits for your umbrella policy . For example, a warehouse that’s not open to the public has a lower risk for visitor injuries than a convenience store with high visitor traffic.
Contracts with suppliers
You’ll want to review your contracts to determine who’s liable in the event of various losses – you or the supplier.
Business structure
For a corporation, generally only corporate assets can be seized in a lawsuit. But if you own a sole proprietorship, your personal assets could also be seized.
Employees
How likely are your employees to cause an accident? How experienced are they in your operations? If you have high-risk workers, you may want higher limits.
Related topics & resources
Products and discounts not available to all persons in all states. Products are subject to deductibles, exclusions, and conditions.