Equine Farm Operations Program

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Benefits available only through this program

  • Signs and entrance gates covered up to $3,000
  • Loss of farming income covered up to $4,000
  • Extra expense covered up to $2,500
  • Ordinance and Law coverage on most insured buildings
  • Computer equipment covered up to $5,000
  • Tack covered up to $2,000
  • Costs to transport horses due to mechanical breakdown of towing vehicle up to $100 per day, $1,000 per incident

Farm Dwelling

  • Farm dwellings and attached structures
  • Trees, shrubs, plants and lawns within 500’ of the main dwelling
  • Automatic adjustment based on building cost inflation

Appurtenant Private Structures

  • Unattached structures appurtenant to the dwelling
  • 10% of the dwelling value with no distance limitation (except California)

Household Personal Property

  • Covered anywhere in the world
  • Special limitations apply – may be increased

Additional Living Expenses

  • Coverage for necessary increase in living expenses if a covered cause of loss renders your home uninhabitable

Scheduled Farm Personal Property

  • This coverage allows you to choose those items you want specifically insured.
  • A specific amount of insurance and selected coverage form is assigned to each item to be insured.
  • Replacement machinery, vehicles and equipment newly purchased are automatically covered for an additional $100,000 for 30 days
  • Property in the custody of common or contract carrier is covered for $2,000 – may be increased
  • Miscellaneous equipment, if insured, is limited to $2,500 on any one item
  • Borrowed or rented farm machinery, vehicles and equipment are covered up to $75,000

Other Farm Structures

  • Farm buildings and structures other than dwellings
  • Farm buildings newly constructed are automatically covered for $50,000 for 60 days from first date of delivery
  • Private power and light poles
  • Unattached outdoor radio and TV equipment, antennas and towers
  • Some fences, corrals, chutes, pens and feed racks can also be covered

Additional Coverages Included

  • Farm extra expense – $2,500 – may be increased
  • Restoration of farm operation records up to $5,000
  • Pollutant cleanup and removal for $10,000 by a covered cause of loss – may be increased to $100,000
  • Loss of farming income

Liability Coverage

Our policy can be tailored to provide the protection you need resulting from injury or property damage covered by this policy. Farm Comprehensive Personal Liability (FCPL) and/or Comprehensive General Liability (CGL)

  • Premises/Operations Liability
  • Products Liability
  • Medical Payment for $5,000
  • Personal and Advertising Injury
  • Fire Legal Liability for $50,000
  • Care, Custody, and Control
  • Chemical Drift for $25,000 – May Be Increased to $100,000
  • Custom Farming Receipts – $5,000 Included – May Be Increased
  • Umbrella Liability available

Care, Custody and Control

  • $10,000 per occurrence/$50,000 annual aggregate Automatic Coverage for others’ horses
  • Pays for damage to others’ horses caused by your negligence
  • Includes coverage for incident transporting horses of others
  • $10,000 Automatic Coverage for others’ tack (subject to a $250 deductible)

Auto   (Personal and Commercial)

  • Personal and Company vehicle coverage available
  • Lay-up Credits on 1 ton or heavier trucks
  • Boats, Recreational Vehicles and Snowmobile also available

(Not available in all states.)

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