When you think of dairy farms, it’s likely you picture mooing cows out grazing in the field as the calves frolic in the sun. You imagine the clucking of the hens as the rooster struts, and other farm animals sun themselves, take a nap, or play. However, dairies are businesses, and they are more than just a pastoral vision. Animals can get hurt, storms can get out of hand (especially in the Midwest), or farm equipment can “go missing.” To protect themselves from these unforeseen issues, farmers, like all business owners, need to have a strong insurance policy. For dairy farmers, a comprehensive dairy farm policy is critical for a successful, financially sound working farm.
When looking to purchase new insurance or upgrade your existing service, there are many things to consider. We have put together a shortlist of considerations to help guide you. Talk these over with your partners and gather current information to know what you really need when it comes to your dairy farm.
Animal Collision & Livestock Insurance
Like people, animals can get sick or injured. There are two options to consider, animal collision and livestock insurance. While livestock insurance sounds pretty cut-and-dry, most people don’t know what animal collision insurance is. Imagine a cow wandered out into the road and was accidentally hit by a car—this would be covered by animal collision coverage. Coverage can also include damage from the elements such as lightning and fire, the accidental shooting of livestock, or attacks by wild animals. Be sure to highlight any concerns you have with your agent, so you can be sure you’re covered!
You need to cover more than just the cow! Choose milk coverage to ensure you have protected your company from any unforeseen issues. Milk contamination is one of those issues. Acquiring Milk Coverage Insurance can give you peace of mind and financial cover in the event of a contamination.
Comprehensive Building and Equipment Coverage
This is an area where the geographical location and size of your dairy farm really matter; after all, a small dairy farm in Indiana isn’t going to have the same needs as a large operation in California. Our agents know what to look for and have a deep understanding of what is going on in the region and closely follow and examine trends in the farm insurance so that they can recommend the best policy for you. Part of that coverage includes equipment, dwellings, and buildings, so you feel totally secure and protected and can spend your time expanding your business and offerings.
Like the best pair of overalls, one size does not fit all. Dairy farmers need different things depending on where they live and the size of their farm. Thankfully, we at James Allen Insurance look at every client individually and recommend the policy that best fits their needs and protects his or her interests comprehensively. Contact us today to chat about how we can protect your farm.