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Home > Agricultural Insurance in Indianapolis IN, Fargo ND, and Denver CO

Agricultural Insurance

Agricultural Insurance

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Agricultural Insurance Indianapolis IN, Fargo ND, and Denver CO

Farms can be both businesses and homes, and the successful farmer is one who builds an operation that can withstand anything from property damage to sudden halts in operations. The right insurance will help you always protect your commercial and personal equity in the operation.

 

Insuring an agricultural operation might seem complicated because of the many assets and liabilities that you’ll want to cover. With the expert guidance of Reliant Insurance Group, you’ll can build a comprehensive and expansive insurance portfolio that can come to your aid when you most need assistance. We will always recommend agricultural coverage that works exclusively to your benefit.

 

To get covered, all you have to do is trust us. Give us a call at (800) 283-4225 or request your free, no-obligation quote online right now!

 

Common Agriculture Insurance Questions


What is agriculture insurance?

You need insurance on a farm just as you would in any other business. You never know, after all, when a hazardous event might arise that could threaten your company’s stability and security. For example:

 

  • A fire, severe weather, theft or vandalism could damage or destroy your property.

  • Employees could get hurt on the job

  • Your negligence could harm a client by causing them injury, property damage or other losses.

  • Machinery could break down, causing operations to slow or halt.

  • Livestock, crops and other materials could get destroyed.

 

As a result of harmful situations like these, you could face a significant financial burden that might put your livelihood at risk. By tapping into your insurance benefits, you can easing the burden of recovering from these losses.

 

How does agriculture insurance work?

Once you have functional insurance coverage for your farm, you’ll have protection against a number of hazards as defined by your policy. Based on the policy’s exclusions, deductibles and coverage limits, your insurer will pay you a settlement that will help you pay for the costs of your recovery.

So, should a hazardous event occur, call your insurer before proceeding with the necessary repairs. Your insurer can review your claim and determine both if and how much your policy will pay you. 

 

What does agriculture insurance cover?

Your perfect agricultural insurance portfolio should include multiple types of coverage. For starters, you will need the standard property & casualty insurance necessary for most businesses, including:

 

  • Property & Contents Insurance

  • General Liability Coverage

  • Business Interruption Coverage

  • Workers’ Compensation Insurance

  • Commercial Auto Insurance

 

You can make each of these standard policies more distinct to apply to specific agricultural aspects. You can also buy further coverage, such as:

 

  • Equipment Breakdown Coverage: Coverage can insure you for the costs of repairs and replace lost income when essential machinery fails to work. Therefore, you won’t face a big loss just because of temporary setbacks.

 

  • Crop Insurance: Your crops equal profit. Therefore, if they get damaged or destroyed, your living could be at stake. This coverage will help you replace the crops or settle with you for the costs of the damage. The policy can cover crops lost to hail and other natural hazards including droughts and disease. Additionally, some policies offer reimbursement due to low crop yields or changes in the market.

 

  • Livestock Insurance: With livestock insurance, you can insure multiple species, including both herds and single animals of high values. Under a livestock policy, you can recover your losses following a variety of hazards including accidental shootings, electrocutions, vehicle accidents, floods or attacks by wild animals.

 

As an added benefit, your farm’s property and possessions coverage will extend to your home, personal possessions and personal liabilities if you both live and work on the home. Therefore, you won’t have to worry about insuring these assets separately.


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  • 3209 Smithvalley Road, Suite 123
    Greenwood, IN 46142
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