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Don't
Give Away the Farm
Protect it with the Farm-Guard Policy
Thank you for
considering the Farm-Guard liability insurance policy. This document will help
you make an informed decision about the insurance coverages we offer and the
coverages you need.
The Farm-Guard
protects the members of your household against financial disaster from accidents
or injuries occurring on your farm — whether you're a farm owner or tenant.
The policy
provides a broad range of standard coverages as well as a variety of optional
coverages to customize protection to fit your farming operation.
Coverages
Public
Liability
Protection
against claims of negligence arising from your farming operations, use of the
premises or personal acts. Fire legal liability is included for real and
personal property.
Physical
Damage to Property of Others
Pays for
damages to property you borrow, such as farm machinery.
Medical
Payments to Public
Pays for
accidental injury to the public on your premises, by your livestock or because
of your farming operations or personal acts. If state law doesn't require you
to carry Workers' Compensation, Farm-Guard also provides:
Employer's
Liability
Protection
against liability for injuries suffered by your farm employees while working
for you.
Medical
Payments to Farm Employees
Covers medical
expenses for accidental injury suffered by your farm employees while on the
job, even if you are not at fault. Includes death indemnity for accidental
death.
Automatic
Coverages
• Coverage for losses arising out of custom farming or feeding when receipts total less than $2,000
• Protection from losses arising from business pursuits when receipts total less than $2,000
• Property damage protection for accidental spray drifts of farm chemicals when applied by any means other than aircraft.
• Contractual liability relating to the farming operations, goods or
products or residence premises.
• Pollution coverage for losses caused by windstorm, accidental collision, overturn or breakage.
Coverage
Options
Split
Limits
• Per person/per occurrence limits for public liability and employer's liability
Combined
Single Limits
• Per occurrence limit for public liability and employer's liability
Optional
Coverages
• Custom
Farming *
• Custom
Feeding *
•
Residential Rental Property
• Additional
Insured
• Business
Activities *
• Employee
Occupational Liability
•
Contractual Liability
• Home Day
Care
• Waterbed
Liability
• Personal
Injury
• Additional
Premises
• Medical
Payments - Named Persons
• Hunting
and Fishing
• Milk
Contamination
* Automatic
$2,000 limit included in policy. Endorsement may be added to include higher
limits
Available
Premium Credits
Landlord's
Liability
• Owner
Occupied — 35% premium reduction when the landlord leases 90% of the farm
to a tenant. The landlord must not have direct con-trol over farm premises or
any interest in farm equipment or livestock.
• Non-Occupied
— 50% reduction is premium when the landlord does not live on the farm or have
any direct control over the farm premises.
Livestock
Exclusion
• A 20%
reduction in premium when no livestock are owned by or in the care, custody or
control of the insured.
Country
Home Option
• Premium
reduction when total acreage is under 40 acres and only incidental farming
operations are conducted.
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