Farm Liability Insurance

Your farm is your livelihood. Protect it!

Farm Liability insurance is your first line of defense against employee or third party claims regarding bodily injury or property damage. Don’t bet the farm on assuming "it won't happen to you." Protect yourself, your workers and your operation by updating your coverage.

As a farm owner, you face unique liability insurance issues. An unfortunate event involving you/your farm and a person or person's property could result in a law suit that may have expensive consequences. Would you be able to pay for such an action without negatively affecting your farm business? If not, reviewing your current farm liability insurance is critical to making sure you or your operation is not compromised in a claim situation.

General farm liability insurance protects you against claims made be any person (excluding family members and employees) who suffered bodily injury or damage to their property that's a direct result of the use of your premises, your personal acts or the operation of your farm business. It may even extend to cover you in the event of accidentally causing injury to someone else's person or property (for example, your stray steer causes an accident on a public road or you accidentally burn a neighbor's crop.)

But, while this coverage is comprehensive, it's important to note several key exclusions which may be written into a farm liability policy. You may not be covered for claims brought against you:

• by yourself (you cannot sue yourself) or any person residing in your household other than an employee
• for intentional bodily injury or property damage caused by you or at your direction
  for bodily injury or property damage arising from any substance released or discharged from an aircraft
• for custom farming operations performed for others under a contractual arrangement (unless specifically declared in your liability policy)
• for property damage to products or any part of the products manufactured, sold, handled or distributed by you

Farm liability protection is too important to leave to chance. Maritime Insurance is local, accessible and interested in your getting the most coverage for your money.

Call us today and you'll get personal service, an inclusive policy that fits your needs, and the secure feeling of never having to wonder IF you're covered IF the unthinkable happens involving you or your property.