Farm Insurance

Protecting Your Livelihood and Legacy

Protecting your farm, ranch, or agricultural operation requires specialized insurance that understands the unique risks involved. Standard homeowners or business policies typically don't cover the complexities of farming.

LeClercq Insurance Services offers comprehensive farm insurance policies designed to safeguard your home, property, equipment, livestock, and liability exposures.

What Does Farm Insurance Cover?

Farm insurance is often packaged as a combination policy, blending elements of homeowners, commercial property, and liability insurance. Key coverages typically include:

• Farm Dwelling Coverage: Protects your primary residence on the farm property, similar to homeowners insurance.
• Household Personal Property: Covers your personal belongings inside the dwelling.
• Farm Structures: Insures barns, sheds, silos, fences, and other outbuildings used for farming operations.
• Farm Personal Property: Covers movable property used in farming, such as tractors, combines, tools, equipment, supplies.
• Farm Liability: Protects you from lawsuits arising from bodily injury or property damage caused by your farming operations (e.g., if livestock gets loose and causes an accident, or someone is injured on your property).
• Loss of Use/Additional Living Expenses: Covers temporary living costs if your farm dwelling becomes uninhabitable due to a covered loss.

Optional Coverages to Consider

Depending on your specific operation, you may need additional endorsements, such as:

• Livestock Coverage: Specific coverage for high-value animals or broader coverage against specific perils like disease or accidents.
• Equipment Breakdown: Covers the cost to repair or replace essential farm machinery due to mechanical or electrical breakdown.
• Farm Employers Liability: Provides coverage if a farm employee is injured on the job (related to Workers' Compensation).
• Pollution Liability: Covers cleanup costs and liability related to accidental pollution (e.g., from pesticides or animal waste).

Tailoring Coverage to Your Farm

Every farm is different. Whether you run a small hobby farm or a large commercial operation, we'll take the time to understand your specific risks and exposures. LeClercq Insurance Services works with carriers experienced in agricultural insurance to build a policy that provides the right protection for your land, property, equipment, and family.