Farm Employees Medical Payments Coverage.Cultivating or harvesting equipment liability on and off premises.Private power and light poles including underground and outdoor wiring, attached switch or fuse boxes, and any other electrical equipment mounted on the poles are covered automatically under Coverage B - Other Structures.Fire Department Service Charge - $1,000.Pollutant Clean Up and Removal - $25,000.This includes the following coverages: Property Coverages:
You receive protection for potential exposures unique to hoppy farm operations. You’ll find our people truly care and enjoy helping you. Learn more about Michigan's booming agriculture industry at MichiganGrown.With SECURA, you get peace of mind knowing your farm-specific protection needs are met, meaning security at home, on the road, and on the farm. She has been involved in National Barrel Horse Association (NBHA), IBRA and the 4H community.She has raised and raced Quarter horses and Paints for over 30 years. Raised Hereford cattle and her love for farming began along with the love of horses and barrel racing.Tracy grew up on a 160-acre farm in Tawas City, MI – The Katterman Family Farm.Tyler Bartosh will work with you to identify environmental exposures that are unique to your business to help you reduce risk. It represents the most common environmental exposures for this industry. This is not an exhaustive list of environmental exposures. Improper use, storage and disposal of wood preserving chemicals used for treating building supplies, fence posts or lumber produced by small on-site operations.Asbestos-containing materials found in buildings and used as insulation for boilers, piping and steam lines.
Improperly maintained or faulty refrigeration units used for dairy farming resulting in potential contamination from lubricating oils, Freon or ammonia. Electrical transformers on farm property that may contain PCB dielectric fluid. Cattle excrement that may create elevated fecal coliforms in surface waters that may be used as a source of potable water. Underground storage tanks, which can leak, are used to store heating oil for use in farm residences. Normal and routine application of pesticides and fertilizers to fields over several years, which may impair storm water runoff and shallow groundwater. Improper storage of pesticides and fertilizers, which may lead to surface water, soil or groundwater pollution. The most common environmental and regulatory exposures encountered at agriculture and farming properties include the following: Potential Environmental and Regulatory Liabilities at Agriculture and Farming Properties Learn more about environmental liability insurance for your farm here. Above Ground and Underground Storage Tanks. Bodily Injury and Property Damage to Third Parties. Clean-up and testing of on-site and off-site of contamination. Provides agriculture pollution coverage for: This is important because many farms have water wells, which can become contaminated. When a farm applies fertilizers, pesticides, and manure to their land, they typically have pollution coverage if it runs off and contaminates a neighboring property.īut, if runoff from these chemicals damages their own property, they are usually not covered. Protect your home and farming operations today with a custom solution! Crop insurance available for Yield, Revenue, Catastrophic, Hail and more (through partnership with crop insurance specialists). Death of livestock by accidental shooting, electrocution, wild animals and/or drowning). What our Farm and Country Estate solution covers We offer our solutions exclusively through the top insurers of farms who are farm experts and have custom products to fit your specific needs. Ensure you’re protected with customized coverages, expert services and safety resources from Top O' Michigan Insurance Solutions. We understand the unique risks you face as a farm or agribusiness owner. This includes coverage for barns and outbuildings, farm animals, equipment or the money you earn from farming. However, if you grow and sell a product or raise any kind of livestock, you probably have additional insurance needs not covered by a homeowners policy. Many small-farm owners believe a homeowners insurance policy provides adequate coverage. Farm and Country Estate Michigan has over 50,000 farms and help contribute $101 billion to the state's economy!Īs a farm owner, you chose farming because you're passionate about it.
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