Commercial coverage

Farm insurance.

The farmhouse, the outbuildings, the equipment and the liability all belong on one policy that understands the operation.

What it covers

The parts worth getting right.

  • Farm dwelling and outbuildings
  • Machinery, equipment and stored crop
  • Livestock
  • Farm liability, including custom work off your own land

Commonly missed

Equipment values move quickly. A combine or sprayer insured at what it cost years ago is badly underinsured today.

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Worth knowing

Equipment insured at what it cost is not equipment insured at what it would take to replace.

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Common questions

Asked most about this.

Is the farmhouse on the same policy?

Normally yes. A farm policy covers the dwelling, the outbuildings, the equipment and the liability as one arrangement.

Does custom work off my own land change things?

Yes, and it needs declaring. Liability off the home farm is rated separately by most insurers.

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