FarmMate®

Protect Your Farm With The FarMate® Policy
The FarMate® provides quality insurance protection for your
entire farm. It also offers a wide variety of options to fit
your farming operation.

Coverages

The FarMate® policy protects you from financial disaster
by covering your:

Dwelling

Household Personal Property

Additional Living Expense/Loss of Rents

Farm Service Buildings

Scheduled Farm Personal Property

Blanket Farm Personal Property

Causes Of Loss

The FarMate® protects your property from these causes of loss:
Property

Fire

Lightning

Windstorm

Hail

Explosion

Riot

Aircraft Vandalism

Malicious Mischief Theft

Smoke Vehicle

Accidental Overturn or Collision

Livestock
These additional coverages apply to livestock:

Electrocution

Accidental Drowning

Attack by Wild Dogs, Animals

Accidental Shooting

Injury From Loading or Unloading

Collision or Overturn

Additional Coverages

Debris Removal

Emergency Removal of Property

Necessary Repairs

Satellite Dish Systems

Farm Machinery & Equipment Coverage Due to Building Collapse

Employee Occupational Liability

Construction of New Buildings

Optional Coverages

Additional Operating Expense

Comprehensive Machinery Coverage

Dwelling Replacement Cost

Farm/Household Operations Records

Fire Department Charges

Glass Breakage – Farm Machinery

Household Personal Property Replacement Cost

Inflation Guard

Leased or Rented Farm Buildings

Loss of Income

Open Perils Coverage For Dwelling and Contents

Peak Season

Pollution Clean Up and Removal

Suffocation of LivestockWater Backup of Sewer and Drains

Farm-Guard® Policy

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

* When above $2,000 in receipts

Available Premium Credits

Landlord’s Liability
Owner Occupied —35% reduction in premium when the landlord has leased 90% of the farm to a tenant. The landlord must not have direct control over the farm premises or any interest in the 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.