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.
The FarMate® policy protects you from financial disaster
by covering your:
The FarMate® protects your property from these causes of loss:
These additional coverages apply to livestock:
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.
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:
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.
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
* When above $2,000 in receipts
Available Premium Credits
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.
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.
The Home-Guard® policy provides outstanding protection
for your most important asset — your home.The policy offers a variety of
coverages to protect your dwelling and personal property. It also offers
protection against possible financial disaster from accidents or injuries
occurring on your property or from your personal acts.
Additional Living Expenses and Loss of Rents
Covers the increase in your living expenses while your property is being
repaired or replaced. Covers the loss of rents you might incur while the
rented portion of the premises is unfit to occupy
Personal Liability Protection
Coverage for claims made against an insured person for bodily injury or
property damage arising from accidents or injuries occurring on the premises
for which the insured becomes legally obligated to pay due to personal acts
Provides coverage for medical expenses that arise from accidents or injuries
occurring on the insured premises
Damage to Property of Others
Covers property damage to property of others which you borrow or use
If your home qualifies, you will be eligible for the expanded coverages
offered by the Home-Guard® Select policy.
These additional coverages include:
Open perils coverage for the dwelling
Replacement cost for the dwelling and household personal property.