Farms and ranches in Kansas face unique exposures by nature of the scope of their operations. Whether you have a small family farm or a large-scale ranch, Insurance Partners of Kansas is proud to offer a wide range of insurance products designed to help safeguard your assets, livestock, machinery and crops. Contact our team today to learn more about how our commercial insurance solutions can help financially protect your farm and ranch operations.
What Is Farm Insurance?
Farm and ranch insurance isn’t one type of policy that covers all the risks your business faces, but rather a term used to refer to the various types of commercial insurance policies a farm or ranch may need. The extent of protection offered by your farm insurance policy will vary based on the types of coverage you opt to acquire.
Who Needs Farm Insurance?
If your primary source of income comes from your farm, it is prudent to consider obtaining farm insurance to protect against unexpected financial burdens. Farm insurance can be beneficial, especially if you employ staff, sell products or possess valuable livestock. Don't hesitate to reach out if you’re unsure whether your operations would benefit from a farm insurance portfolio. Insurance Partners of Kansas is here to help you navigate your business’s needs.
What Does Farm Insurance Cover?
What is covered under a farm insurance policy will depend on the commercial policies you’ve purchased. The following are some common farm coverages for you to consider:
General liability insurance may help pay for expenses (e.g., legal fees, medical bills) if your farm is held legally responsible for causing third-party harm, such as the following:
- Bodily injury
- Property damage
- Reputational harm
- Advertising injury
Crop insurance may help reimburse you for financial losses if your crops are damaged by natural disasters.
Product liability may help pay for lawsuits from allegations that your farm products caused third-party illness or injury.
Farm equipment insurance may help reimburse you for damage caused to certain farm machinery (e.g., combines or trailers) due to covered perils.
Pollution liability may help cover expenses arising from claims that pollutants from your property or in transit caused injuries or illnesses to third parties.
Workers’ compensation insurance may help pay for lost wages, medical bills and other expenses if an employee experiences a work-related injury or illness.
Livestock insurance, also known as mortality insurance or herd insurance, may help pay for unexpected incidents that affect your livestock.
Get a Farm Insurance Quote Today
Securing the right insurance for your farm or ranch is essential to the continued success of your business. Insurance Partners of Kansas is here to help you ensure your business is properly protected. Call us today to get started.
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