GHM Insurance: Farm Insurance
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Farm Insurance

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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

Call us today at 800-244-9046 or complete the information below and submit your no-obligation quote request to us.

 

 

T: 800-244-9046
F: 207-873-5784

51 Main Street
Waterville, Maine 04901
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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.