What does Farm Insurance Cover?

Farm Liability Insurance

This coverage protects farms against claims of bodily injury or property damage caused by their work or operations. For example, if a farm causes damages to a neighbors property or if a third party is injured on the farms premises, this insurance can cover legal fees, medical expenses, and potential settlements or judgments. 

Animal Mortality Insurance

This covers the loss of financial value of the farms livestock. The following causes are usually covered: illness, disease, accidental death, natural disasters, theft, disappearance, and more.

Property and Equipment Insurance

This coverage protects the farms buildings, equipment, tools, and supplies, against damage or loss due to events like fire, theft, or vandalism.

Commercial Auto Insurance

If a farm uses vehicles for business purposes, commercial auto insurance is necessary. This coverage protects against accidents, property damage, and liability claims while driving farm vehicles.

Workers Compensation Insurance

If you have employees you will need to carry workers compensation insurance. This policy covers work-related injuries/illnesses that your employees may sustain during their employment. 

Umbrella Insurance

This type of insurance provides additional liability coverage above the limits of general liability insurance, business auto liability, and employers liability. It helps protect contractors from significant lawsuits or claims that exceed their primary insurance coverage limits. ​​​

At Bluff Creek Insurance we can help you find the most inexpensive and comprehensive farm insurance policy in New York. We focus in the agricultural industry and helping Farms in New York. We are transparent and helpful through this process for your business.