comprehensive insurance services
Arga-Business
FARMING / RANCHING / EQUINE
Farmowners - The property insurance for homeowners and tenants are coverages similar to those offered by the homeowners and tenant homeowner policies. Coverages for farm buildings and farm personal property are provided on a scheduled or blanket coverage form. Liability insurance is effected by the use of personal, farm personal and / or comprehensive general liability coverage forms. Endorsments are available for optional coverages.
The farm property can include additional dwellings both on and off the premises, mobile homes and other private structures appurtenant to dwellings, household personal property, loss of use, scheduled farm personal property, unscheduled farm personal property.
Mobile Agricultural Machinery and Equipment may be scheduled or covered on a blanket basis.
Flood Insurance is offered thru the Federal Flood Insurance
Program.
Earthquake Insurance is available.
Boiler and Machinery pays for loss of damage resulting from accidents to: Pressure and refrigeration objects, including boilers, air conditioning and refrigerating objects; mechanical objects; electrical objects; turbine objects. This coverage is frequently overlooked on farm accounts.
The equine risk has requirements of the above and in addition CC&C, off premises liability, trainers liability and more. We will write the policy to meet the needs of the client.
Additional coverages available are livestock floaters, personal articles floater, accounts receivable coverage, valuable papers coverage, transportation floater and motor truck cargo.
The Farmers / Ranchers policy must be tailored to meet the needs of the insured risk. Many as an example would need Data Processing Coverage, Livestock Mortality, Hail Insurance, Multiple Peril Crop Insurance and Poultry Insurance.
Also, for someone that farms for others, General Liability is needed for the custom farming exposure.
Health Insurance is needed for the family farm on an individual basis and/ or a group plan for the farm with employees.
See Life Insurance for Business Operations.
See Umbrella section for excess liability coverages
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