Farm Insurance Information
Insurance for Farms Across Lexington, Staunton, Covington, Buena Vista, Waynesboro, Clifton Forge, Warm Springs, Hot Springs, Rockbridge, Augusta, Alleghany and Bath Counties, Virginia
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Virginia is a great state for starting and maintaining a farm. There are around 44,800 farms across Virginia specializing in a variety of produce. Agriculture is an industry with a large potential for success and income.
A farm is an expensive venture, however, so you will need a reliable farm insurance policy to protect your investment. Huffman Insurance Agencies works with a variety of top carriers to bring comprehensive and affordable insurance to farms across Virginia. With great customer service and over 50 years of experience, our insurance professionals will work closely with you to find and tailor the policy you need.
What Does Farm Insurance Cover?
We offer a range of a range of coverages to protect against the unique dangers your farm may face.
Crops can be a great source of income for your farm. This also means that damage or destruction of your crops can cause a huge financial loss. Crop insurance can help you receive compensation for crops that are lost or damaged due to fire, hail, storms, lightning and more.
Many farms and ranches profit through livestock. Unfortunately, accidents can happen with your livestock. Car accidents while in transit, sudden illnesses, theft and more can kill your livestock. Livestock insurance generally covers animals such as:
- Deer and elk
Livestock insurance can compensate you for losses to your cattle due to electrocution, fire, explosions, natural disasters, weather events and more. Livestock can be expensive, so it’s important to have the right amount of insurance to cover the animals of your farm.
Farm Equipment Insurance
It takes a lot of equipment to run a farm. Expensive equipment like tractors are crucial for keeping your farm running and aren’t always easy to replace out of pocket. Farm equipment insurance can compensate you for damages to or loss of your farm equipment such as tractors, planters, hay rakes, field equipment, sprayers, tools, portable structures and more.
Even smaller farms generally have employees to help with maintenance, livestock and more. You may be required to carry workers compensation if you have employees on your farm, whether they are part-time or seasonal.
Farms in Virginia must carry workers compensation if they regularly employ two or more workers, even if they are family members. Workers compensation provides coverage if an employee is injured on the job. If one of your employees is accidentally injured while operating heavy equipment or handling livestock, this insurance can help with their medical expenses and protect your farm against a lawsuit regarding the injury.
Depending on your farm’s insurance needs, you may want additional insurance. Consider adding coverage to your farm insurance policy such as:
- General Liability
- Commercial Auto Insurance
- Commercial Property Insurance
- Umbrella Liability
Insure with Huffman Insurance
It’s never too early to protect your livelihood. Call an insurance expert at Huffman Insurance Agencies at 833-4WE-INSURE or fill out an online quote form to get started today!
Common Farm Insurance Questions
Farm insurance is an umbrella term for a policy that combines important coverages tailored for farms. This is not the same as a normal business insurance policy. Instead, it is designed to cover against the risks specific to running a farm.
Just like with business insurance, you can purchase a farm insurance policy through Huffman Insurance and pay monthly premiums in return for coverage. Each type of insurance may operate slightly different when it comes to compensation and coverage, so be sure to ask an insurance agent about any questions you may have regarding your limits.
Farms face a lot of dangers during operation. Heavy equipment and high value crops or livestock can lead to expensive accidents that are hard to recover from out of pocket. Farm insurance can be used to bounce back financially after a disaster or accident.
Crop insurance should be purchased every growing season before the crops are planted. Be sure to calculate the correct value of your crops. Underinsuring your crops can leave you without the right coverage when it comes time to file a claim. Connect with a Huffman Insurance agent to insure your farm’s crops today.
Farm Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.