Farm Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Farm Insurance Information
Farm Insurance in Winchester and Seaman, OH
As a farm operator, your livelihood depends on the ability to protect both your property and your products, be they livestock or crops. It is therefore imperative that you have appropriately tailored insurance on the operation.
The committed team of insurance specialists at Link Insurance Service are committed to helping you design a farm insurance portfolio that adequately meets your needs. We provide a full range of policy options from multiple agricultural insurance providers, and we’ll help you determine the policies that are in your best interest to buy. With our help, you can worry less about managing your insurance and more about running your business.
To request your policy quote, just give us a call at (937) 695-0611 or get a quote now.
What is farm insurance?
Like all business owners, farmers need commercial insurance. It’s there to protect their bottom line against the costly ramifications of unexpected accidents on the property. The right coverage can greatly reduce your full financial burden of these accidents and protect your overall solvency.
What does farm insurance cover?
To appropriately insure your farm, you’ll need to buy several insurance components. Each can offer a different type of benefit to apply to different insurable risks.
Crop Insurance: Damage to crops might arise from weather, fires and other hazards. This coverage can pay you a settlement to help you replace those items and lost income.
Farm Livestock Insurance: A loss to your animals could mean a loss of profit. Therefore, this coverage can help you recover the results.
Equine Insurance: Horses are often valuable both for farm operations and their market value. Therefore, when you breed or raise horses, a single loss might cost you a lot of money. This coverage can insure your horses against death, injuries and other hazards.
Farm Equipment Insurance: Should important assets like pumps, rakes, sprayers and other tools get damaged, then this coverage can help pay for those items.
Tractor Insurance: Standard equipment insurance often doesn’t cover tractors or other farm vehicles. You can buy separate coverage to protect these items against damage or other losses.
Farm Dwelling Insurance: If you live on your farm, then this policy can cover your home.
Farm Structures Insurance: This coverage insures barns, grain silos and other property.
Commercial Auto Insurance: Vehicles owned by the farm or used in its operations will need commercial auto insurance rather than personal auto insurance.
Farm Liability Insurance: Your operations might cause bodily injuries or property damage to various people, including your clients. This coverage can help you repay them for their losses.
Umbrella Insurance: Under standard liability insurance, there will be limits. However, if a claim exceeds these limits, then umbrella liability coverage can help cover remaining costs.
Often, you can insure both your commercial assets and personal belongings if you live on the property by investing in a farm owners policy. It will provide personal and commercial property coverage, along with the necessary liability coverage to protect you both in your operations and your home. This is a great option for family-operated farms that have different insurance needs than commercial operators.
Why do I need farm insurance?
Because you have such an investment in your farm’s success, you’ll want to protect it against any potential losses. Therefore, the primary benefit of farm insurance is to ensure that you don’t have unsustainable financial losses resulting from unexpected hazards. After all, if you can’t afford to rebuild your operation, then you might lose your entire business in a worst-case scenario.
Additionally, the agriculture industry is one that is highly regulated and farmers must meet certain standards and follow the rule of law. Therefore, you’ll usually face several insurance requirements in order to operate.
You should never consider going without the benefits of a comprehensive farm insurance portfolio, and Link Insurance Service is here to help you build the package that is best for you.