Farm umbrella insurance−because accidents happen

Umbrella liability insurance protects you when accidents happen and your existing liability insurance policies cannot cover all expenses. Standard liability coverage will take care of you in most situations, but when serious situations arise, umbrella liability insurance will help ensure that your farm is protected. While no one wants accidents to happen, they do–and people sue. Here are a few possibilities:

• An accident on your farm results in multiple injuries or deaths
• Someone successfully sues you for damages resulting in illness from your products

Cover your farm with umbrella liability insurance

An umbrella policy picks up where your farm auto liability, general liability or other liability coverage stops. Umbrella insurance is an inexpensive way to provide extra coverage against bodily injury and/or property damage.

For example, if your current policy covers you for $1 million and you are successfully sued for $1.5 million, your umbrella coverage can pay the outstanding $500,000 – which is a lot less painful than having it come out of your farm profits.

Umbrella liability insurance coverage tailored to your needs

How much umbrella insurance coverage does your farm need? A variety of factors goes into determining the answer, including the type of farm you own and how much coverage you already have.

Contact a local agent today for a free quote on your farming operation.