At Bitacola we understand business and that farming comes with risk and unique needs. Farm insurance offered by Biacola insurance brokers is a product with specialized coverage for owners or individuals who are in the business of farming. It protects your assets, including buildings, machinery, equipment, livestock, produce, liability and more. Qualifying for farm insurance is easy and There is no minimum number of acres you must have to qualify.
Options for Coverage
Depending on the type of farm you have, there are numerous unique options for coverage. Some are more general, and some are specific to the kind of operation you run. This insurance is a little more complex than others, so it is strongly advised to speak with an insurance broker.
Primary Farm Residence protects you home and your personal property as well as covering you for any personal legal liability.
Farm Liability coverage protects you and your assets from lawsuit or loss as a result of property damage or injury to a worker or a visitor.
Farm Buildings is Replacement Cost coverage, should anything happen to any of your structures as a result of an accident or natural disasters. These structures can include barns, implement sheds, storage buildings, bunkhouses, corn, grain bins, dryers, buildings, horse stables, silos and greenhouses. Builders risk coverage is also recommended for farm buildings while under construction.
Machinery and Equipment -Bitacola can define what’s the best coverage for all your machinery whether new, leased or rented – Loss-of-use coverage can also be available for qualifying equipment so that in the event of an insured claim, a substitute piece of equipment to keep your farming operations going following a loss.
Limited Farm Pollution Liability protects you from third-party damages caused by unintentional pollution discharge from a structure or container of any kind on your property.
Business Interruption is crucial, should any aspect of your property be damaged by fire or flood and require repairs, business interruption coverage could cover expenses in numerous ways and option. This is where Bitacola earns your business and ensures the coverage is right for you!
Other Options for Coverage
Hydro Poles: With climate change the risk to things like hydro poles, transmission lines and transformers is higher due to fires, tornadoes and other natural disasters. If they are permanently installed on your property and you own them, this will cover any physical damage to them.
Livestock: Farm animals like cattle, sheep, goats, poultry, rabbits, horses, mink and more are your inventory, as are your crops. This option protects against any perils such as fire, theft or falling objects.
Produce: This is coverage for harvested crops or any agricultural product of the soil including seed, fertilizers, feed, herbicides and pesticides. Produce insurance can also cover refrigerated produce that is spoiled, even the advertising materials that come with it.
Equipment Breakdown: This is coverage specifically for breakdown of any boilers or mechanical or electrical equipment, and includes coverage for loss of income caused by the breakdown. It can also, as mentioned, protect against sudden and accidental damage to the equipment.
Give us a call today to find the exact coverage you need for your farm, or start a free quote on our bitacola insurance website