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Umbrella Insurance for Farm and Family

Umbrella Insurance for Farm and Family

While farms need the standard types of insurance policies that other businesses need, such as property insurance and general liability coverage, your farm also needs insurance that specifically relates to the type of agribusiness you run, and this is where an umbrella policy comes into play. Do not wish you had an umbrella policy for your farm when it’s too late.

An umbrella policy for your farm covers losses above the limit of an underlying policy or policies. While it applies to losses over the dollar amount in your underlying policies, terms of coverage are sometimes broader than those of underlying policies.

Umbrella policies can be an important part of your comprehensive insurance plan, so it’s important to evaluate your current plan and talk with your agent about your umbrella policy options.

  • Umbrella insurance covers losses above the limit of your current farm, business, homeowners, and auto insurance plan.
  • We typically write umbrella policies to provide you with $1 million to $5 million in added liability protection. This is what you would be legally obligated to pay because of injury or property damage caused to another person on your farm.
  • Umbrella insurance protects your assets with comprehensive protection that won’t cost you the bank.
  • Umbrella policies typically offer you worldwide coverage.
  • Defense coverage for attorney's fees and other legal costs is an option for many umbrella packages if you ask.

Farmers, ranchers, and business owners
 alike find that adding an umbrella policy to your insurance plan is not only common practice, but also a necessary part to insuring your assets.

Individuals like you also understand the importance of protecting your personal assets with an umbrella policy.

Excess Insurance is also an option, similar to umbrella insurance, in that it offers excess protection above your current policies.

Call or stop by our Greeley Office today for your umbrella policy quote! Our insurance experts will help you decide what best fits your protection plan: 970-352-9500

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