Farm Insurance in Barton, VT

Farm operations often involve significant risks and dangers. Between working with animals, operating heavy machinery, enduring unpredictable weather and other constant concerns, risk management and loss control must be top priorities for even the most experienced farmers. Farm insurance may therefore be among the most important investments you ever make.

What Is Farm Insurance?

Although a common term, farm insurance doesn’t typically refer to a single product available from all carriers. Rather, you might need to combine several types of policies, each equipped with its own coverages and financial protections, to sufficiently address relevant risks and exposures. Even when raising the same animals, growing similar crops or operating farms of similar size, every farmer has unique coverage needs. Assembling a suitable farm insurance package requires careful consideration of your specific circumstances.

What Should My Insurance Cover?

As you think about your farm’s insurance needs, you’ll want to familiarize yourself with many types of coverage. Understanding your options and selecting the right products can establish sufficient financial protection, while also potentially optimizing cost-effectiveness. Consider investing in the following types of insurance:

• Farm property insurance may cover barns, silos, fences, sheds, equipment, tools and inventory against many common incidents, such as fires, theft and vandalism.

• Farm liability insurance may help you manage the fiscal implications of situations where you’re at fault for other parties’ losses, such as if one of your animals injures a visitor or crops you’ve distributed cause someone to become ill.

• Livestock insurance may compensate you if your animals are stolen, injured or killed in covered incidents, such as fires, floods and loading accidents.

• Workers’ compensation insurance may be required by law and can help offset losses and expenses if your farm’s employees are injured or become ill on the job.

• Commercial auto insurance is also often legally mandated and can cover incidents involving your farm’s vehicles.

Learn More

The team at Rock Insurance Agency is well-equipped with the knowledge and experience to help local farmers address their insurance needs. Contact us today to learn more or compare personalized quotes.