Partnership is Powerful
Call Today!
800-244-9046

Farm Insurance

Insurance for Your Farm or Agricultural Business
Maine farmers have been our friends and neighbors since the start. Which is why we offer a Business Owner’s policy for farm owners like you. We’ll cover farm dwellings, machinery and equipment, autos, personal property, liability and liability for your workers, along with other specialty coverages.

We work with a wide range of agricultural businesses, including:

  • Berry growers
  • Cattle and livestock grazing
  • Field crop growers 
  • Dairy farms
  • Gentlemen/hobby farms 
  • Grain growers
  • Hay growers
  • Vegetable and row crop growers 
  • Wineries and vineyards
  • Horse farms
  • Equestrian centers

Farm Liability insurance is a necessity. No matter how careful farm owners are, accidents can and do happen to visitors, vendors or others who come onto your farm property.

Types of Coverage 

Dwelling Coverage

We protect your home and your belongings against disasters such as fire, lightning, windstorms and hail, and most accidental losses including vandalism, theft and broken glass.

Dwelling coverage applies to your private residence and any building structures that are attached to it. It also covers:

  • Outdoor equipment permanently attached to your home and used to service your residence and its premises. This includes:
    • Heating systems
    • Cooling systems
    • Water heating systems
    • Water softeners
  • On-site construction material you plan to permanently attach to your residence
  • Working outdoor antennas or reception dishes

Other Structures

Other Structures coverage applies to structures that are permanently on the residence premises, but not attached to your dwelling, such as a fence or shed.

Farm Liability Coverage

Our Farm Liability coverage provides protection against the unexpected, such as accidental bodily injury, medical expenses or property damage for which you are legally responsible.

Farm Personal Property Coverage

We offer Blanket Coverage, enabling you to flex your Farm Personal Property coverage up to the Blanket coverage limit.

Farm Personal Property coverage applies to most items used in the operation of the farm. If you have high-value equipment or livestock, they may need to be insured separately under a Farm Equipment or Farm Livestock policy.

Scheduled Coverage allows you to pick and choose individual items for coverage, like combines or irrigation systems.

Farm Outbuilding Coverage

We protect sheds, barns, detached garages or other outbuildings against fire, lightning, windstorms, hail, vandalism, theft and other perils. Optional endorsements allow you to broaden coverage tailored to the specific needs of your property.

Farm structures might include barns, grainaries, sheds, or additional farmhouses.

Additional Coverage Options

In addition to the items described above, you may be able to obtain or expand coverage for the following items under your:

  • Animal collision
  • Product contamination
  • Farm employee coverage
  • Limited pollution liability – increased limits
  • Medical payments for named insureds
  • Additional rented residences on premises (except businesses)
    • Liability and medical payments for business pursuits
    • Clerical office employees engaged wholly in office work
    • Salespersons, collectors, or messengers
    • Teachers
    • School administrators
  • Personal injury liability
  • Watercraft (exceeding existing coverage limits)
  • Identity fraud
  • Crop coverage

Listing items

Individual pieces of farm equipment must be listed, described, and insured for a specific amount. Attachments to farm vehicles, such as headers, may be specifically listed. They may also be included in the value of the machine on which they are used.

Livestock Coverage

A Farm Livestock policy could cover events such as:

  • Accidental shooting by others
  • Attack by dogs or wild animals
  • Collapse of buildings, bridges, or culverts.
  • Drowning
  • Loading or unloading of animals from uncommon carriers

 

 

T: 800-244-9046
F: 866-274-0005
51 Main Street
Waterville, Maine 04901
Get Directions
34 Center Street
Auburn, Maine 04210
Get Directions
Need to Make a Claim?

Acadia Insurance
800-244-9446

Allstate
Report Online
800-255-7828

Dairyland Insurance
Auto: 800-225-1390
Cycle: 800-325-9559

Foremost Insurance Group
Report Online
800-527-3907

The Hanover Insurance Group
Report Online
800-628-0250

The Hartford
Report Online
800-243-5860
Business Insurance: 800-327-3636

Jewelers Mutual Insurance Company
Report Online
800-558-6411

MEMIC
Report Online
800-636-4292

MMG Insurance
888-343-0533 (M-F, 8:00-4:30)
888-869-8700 (after hours)

Patriot Insurance Company
Report Online
866-460-1776

Patrons Insurance
800-542-7032

Peerless Insurance
800-522-7152

Philadelphia Insurance Companies
800-873-4552

Progressive
Report Online
800-776-4737

Travelers
Report Online (Personal)
Personal Insurance: 800-252-4633
Report Online (Business)
Business Insurance: 800-832-7839

Union Mutual of Vermont
Report to GHM: 207-873-5101

Want to Pay a Bill?

Acadia Insurance 
Call GHM: 800-244-9046

Allstate
Pay Online
800-901-1732

Dairyland Insurance
Auto: Pay Online
Auto: 800-2334-0090
Cycle: Pay Online
Cycle: 866-324-7952

Foremost Insurance Group
Pay Online
800-532-4221

The Hanover Insurance Group
Pay Online
800-573-1187

The Hartford
Pay Online
800-624-5578

Jewelers Mutual Insurance Company
800-558-6411

MEMIC
Pay Online
800-660-1306

MMG Insurance
Pay Online
888-664-2455

Patriot Insurance Company
Personal: Pay Online
Business: Pay Online

Patrons Insurance
Pay Online
866-611-7887

Peerless Insurance
Pay Online
800-228-7830

Philadelphia Insurance Companies
Pay Online
877-438-7459

Progressive
Pay Online
800-776-4737

Travelers
Pay Online
800-842-5075

Union Mutual of Vermont
Pay Online

 

Frequently Requested Forms

Coming soon...

Farm liability insurance is a necessity. No matter how careful farm owners are, accidents can and do happen to visitors, vendors or others who come onto your farm property.