Farm Insurance Information
Farm & Agribusiness Insurance in Tulare and Visalia, CA
You Have Made It Your Living. Keep It Protected
The agricultural and agribusiness industries include businesses that range from farms to food and beverage producers or fuel distributors. Each need quality insurance benefits in order to maximize the efficiency of their risk management.
At Hooper Spuhler & Sturgeon Insurance, we specialize in insuring commercial agribusinesses of all shapes and sizes. Our plan options are both expansive and customizable, and our promise is that we will help you design the benefits that are best for your operational liabilities.
Contact us at 559-686-3442 or request your free quote now.
What is an Agribusiness?
The agricultural industry is a massive one by contemporary standards. Of course, it starts with your average family farm or ranch, but can include numerous other types of businesses, including:
The savvy business owner knows that they need to adequately insure their operations specifically, because a failure to do so could lead to significant financial losses when unexpected problems occur.
What is Agribusiness Insurance?
All agribusinesses deal in raw materials, organic matter and living things (I.e. animals and crops), all of which come with unique liabilities attached. The sensitivity of your commodities often makes it very hard to recoup your losses in the face of hazards like property damage, lawsuits, employee misconduct or sudden halts in operations. It is very easy for an agricultural business to go bust in the face of a devastating and expensive problem.
However, by turning to your insurance benefits you’ll be able to file a claim for the financial loss associated with these problems. Therefore, your own financial stability won’t suffer just because a problem threw your operations into chaos.
What are the Benefits Agribusiness Insurance Can Provide?
There are numerous insurance options available for the average agricultural business, including:
Damage to crops might arise from weather, fires and other hazards. This coverage can pay you a settlement to help you replace those items and lost income.
Farm Livestock Insurance
A loss to your animals could mean a loss of profit. Therefore, this coverage can help you recover the results.
Horses are often valuable both for farm operations and their market value. Therefore, when you breed or raise horses, a single loss might cost you a lot of money. This coverage can insure your horses against death, injuries and other hazards.
Farm Equipment Insurance
Should important assets like pumps, rakes, sprayers and other tools get damaged, then this coverage can help pay for those items.
Standard equipment insurance often doesn’t cover tractors or other farm vehicles. You can buy separate coverage to protect these items against damage or other losses.
Farm Dwelling Insurance
If you live on your farm, then this policy can cover your home and other personal property.
Farm Structures Insurance
This coverage insures barns, grain silos and other property.
Commercial Auto Insurance
Vehicles owned by the farm or used in its operations will need commercial auto insurance rather than personal auto insurance.
General Liability Insurance
Your operations might cause bodily injuries or property damage to various third parties, including your clients. This coverage can repay them for their losses.
Under standard liability insurance, there will be limits. However, if a claim exceeds these limits, then umbrella liability coverage can help cover remaining costs.
Workers’ Compensation Insurance
Agricultural businesses often are obligated to buy to buy workers’ compensation. It will pay an employee supplementary income if work-related injuries or illnesses force them off the job.
No matter how big, small or specialty your operation might be, you have assets to protect against numerous liabilities. Quality commercial insurance benefits will be there to help you get the assistance you deserve when times get tough.
Farm Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.