Protection against losses or damages to crops caused by natural disasters such as drought, flood, frost, fire, pests, or diseases. For regions that often experience hail damage, you may have crop hail coverage — This provides protection against hail damage to crops, which is not typically covered under a standard crop insurance policy.

Ensures a minimum level of crop yield, compensating for production shortfalls due to specified causes outlined in your insurance policy. 

Coverage for a decrease in the market value of crops or livestock, providing compensation based on the revenue loss.

Traditionally, coverage for livestock will be included in agriculture insurance policies. The coverage will outline protection for livestock against perils such as disease, accidents, theft, or mortality. We recommend reviewing your entire policy to ensure there is not a livestock endorsement that negatively adjusts your livestock coverage. 

A policy will outline the coverage for farm machinery and equipment against damage or theft. In addition, a policy may have an Equipment Breakdown Coverage that protects against mechanical or electrical breakdown of farm equipment, including tractors, irrigation systems, and other machinery necessary for farming operations.

Insurance coverage for farm buildings, barns, silos, or other structures against risks like fire, storms, or vandalism. It is important to review all endorsements for any language that could outline an inadequate coverage for your structures.

Protection against third-party claims for bodily injury or property damage that occur on the insured farm premises. Agriculture policies may include specific liability endorsements, such as a Farm Pollution Liability Endorsement that covers pollution-related risks associated with farming activities, such as accidental chemical spills or runoff from fertilizers or pesticides, or a Agri-Product Liability Endorsement that provides  liability coverage for claims arising from the sale or distribution of agricultural products, including products produced on the farm or products sold at farmers’ markets. If you use your land for farm tours, pumpkin patches, corn mazes or other events that welcome visitors, you will want to ensure you have an Agritourism Endorsement that includes additional liability coverage for agritourism activities.

Compensation for loss of income or additional expenses incurred due to interruptions in farming operations caused by covered perils. Some policies may outline Agribusiness Interruption coverage that provides compensation for losses incurred by agribusinesses, such as food processing plants or agricultural supply chains, due to disruptions in operations caused by covered perils.